Independent grocery stores face many risks. A power outage could destroy perishables, or a customer could slip in a spill and get hurt. Business insurance protects against unexpected costs, so you don't have to sacrifice everything to pay for a lawsuit, food spoilage, or other loss.
These insurance policies cover the most common risks faced by grocers.
A business owner's policy, or BOP, is a cost-effective way for grocers to buy general liability coverage and commercial property insurance together.
This policy covers financial losses from customer lawsuits at grocery stores. Bundle it with business property coverage for savings in a BOP.
Most states require workers' comp for grocery stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
Small businesses that sell alcohol need liquor liability insurance. This policy protects your grocery store if a customer buys alcohol then goes on to harm someone or damage property.
Once a grocery store reaches its policy limit, umbrella liability insurance boosts coverage on your general liability, commercial auto, or employer's liability policy. It's similar to excess liability insurance.
Commercial auto insurance covers the cost of an accident involving a grocery store's delivery truck or other vehicle. Each state has its own requirements for auto liability insurance.
It's easy to get grocery store insurance policies and supermarket insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your grocery store, whether you work independently or hire employees.