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.
These policies cover the most common risks faced by grocers.
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.
This policy covers common grocer risks, including accidents involving shoppers. Bundle with commercial property insurance 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.
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.
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.
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.