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.
Workers’ compensation insurance is required in almost every state for grocery stores that have employees. It can cover medical costs for work-related injuries.
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 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.