Business Insurance for Grocery Stores

Compare multiple quotes from top carriers with one application.
Grocery Store
Blurry image of a produce aisle in a grocery store.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Why do grocery stores need insurance?

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.

Apples, oranges, and other fruit and drinks in a grocery store.
Compare insurance quotes icon

Get same-day insurance

With Insureon, grocery store owners can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of business insurance do grocery stores need?

These insurance policies cover the most common risks faced by grocers.

Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for grocers to buy general liability coverage and commercial property insurance together.

BEST FOR
  • Customer bodily injuries
  • Damaged or stolen items
  • Business interruption incidents
General liability insurance icon

General liability insurance

This policy covers financial losses from customer lawsuits at grocery stores. Bundle it with business property coverage for savings in a BOP.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
Liquor liability insurance icon

Liquor liability insurance

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.

BEST FOR
  • Injuries caused by intoxicated customers
  • Property damage caused by intoxicated customers
  • Legal defense costs
Umbrella / excess liability insurance icon

Commercial umbrella insurance

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.

BEST FOR
  • Customer injury lawsuits
  • Employee injury lawsuits
  • Auto accident lawsuits
Commercial auto insurance icon

Commercial auto 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.

BEST FOR
  • Physical damage caused by your vehicle
  • Injuries caused to another person
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does insurance cost for retail businesses?

Retailer with a clipboard calculating the cost of business insurance.

A small grocery store with a few employees will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Retail products and services offered
  • Business operations and property
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get grocery store 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

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.

What our customers are saying
Carousel prev arrow
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Carousel next arrow
Insureon customer reviews on Feefo
Compare insurance quotes for grocery stores
Save money by comparing insurance quotes from multiple carriers.