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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.
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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
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
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
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
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
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
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?
A small grocery store with a few employees will pay less for insurance than a bigger business.
Factors that affect your premiums include:
- The products you sell, such as meats, specialty foods, or beer and wine
- The services you offer, such as delivery
- Value of your business property
- Business income
- Types of insurance purchased
- Policy limits and deductibles
- Claims history
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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.
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