Business Insurance for Grocery Stores

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Blurry image of a produce aisle in a 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.

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

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.

BEST FOR

Customer injuries
Damaged or stolen items
Business interruption incidents

General liability insurance

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

BEST FOR

Slip-and-fall accidents
Damaged customer property
Product liability insurance

Workers’ compensation insurance

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

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

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.

BEST FOR

Injuries caused by intoxicated customers
Property damage caused by intoxicated customers
Legal defense costs

Commercial umbrella insurance

Once a grocery store reaches its policy limit, umbrella insurance (or excess liability insurance) boosts coverage on general liability or employer's liability policies.

BEST FOR

Customer injury lawsuits
Customer property damage lawsuits
Employee injury lawsuits

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.

BEST FOR

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?

Woman with clipboard calculating cost of insurance for her retail business.

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

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

View Costs

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