Business Insurance for Grocery Stores

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Grocery Store
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Save money by comparing insurance quotes for grocery stores

Independent grocery stores are exposed to many risks: a power outage could destroy perishables, or a customer could slip in a spill. Shield your small business from the unexpected with affordable grocery store insurance.

Apples, oranges, and other fruit and drinks in a grocery store.
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One application, multiple quotes

Grocery store owners can compare insurance quotes from top U.S. carriers online with Insureon. Fill out one application to receive multiple quotes.

What types of business insurance do grocery stores need?

These policies cover the most common risks faced by grocers.

Business owner’s policy icon

Business owner’s policy

A BOP bundles general liability and commercial property insurance in one plan. It's often the most cost-effective type of commercial insurance for grocery stores.

  • Customer injuries
  • Damaged or stolen items
  • Business interruption incidents
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General liability insurance

This policy covers common grocer risks, including accidents involving shoppers. Bundle with commercial property insurance for savings in a BOP.

  • 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.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Liquor liability insurance icon

Liquor liability insurance

Grocery stores that sell alcohol need liquor liability insurance. This policy protects your store if a customer buys alcohol then goes on to harm someone or damage property.

  • 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 insurance (or excess liability insurance) boosts coverage on general liability, commercial auto, or employer's liability policies.

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

Commercial auto insurance

Commercial auto insurance is usually required for business-owned vehicles. It covers the cost of accidents involving a grocery store's delivery truck or other vehicle.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

Why do grocery stores need insurance?

Running a grocery store comes with liability and property risks, from damaged inventory to theft and workers' comp claims. Insurance for a grocery or general store can protect against unexpected events and ensure that you don't have to sacrifice everything to pay for a lawsuit or other loss.

How much does insurance cost for retail businesses?

Retailer with a clipboard calculating the cost of business insurance.

Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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