What is Grocery Store Insurance?

Running a grocery store requires a significant investment of both time and money. Without adequate insurance coverage, everything that grocery store owners put into their stores could be lost in a single incident. Grocery store insurance policies (also sometimes known as supermarket insurance) help protect grocery stores from a number of covered risks.  

Most grocery store insurance policies are package policies that combine several coverages in a single policy. The coverages that a policy provides can usually be adjusted to suit a particular grocery store or supermarket’s needs. Most coverages fall into one of three categories: liability coverages, property coverages, and other coverages.

What Businesses Need Supermarket Insurance?

Most grocery stores and supermarkets, including both independent stores and chains, should consider getting supermarket insurance. Without protection, a grocery store or supermarket can be dangerously exposed to risk, and these policies usually offer the most affordable way to procure coverage. 

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What Liability Coverages Are Available Through Supermarket Insurance Policies?

Grocery stores are exposed to a range of potential liability risks, for they’re multi-faceted businesses and serve lots of customers. In order to give grocery stores liability protection they need, supermarket insurance policies typically include several different commercial liability coverages. A policy may provide any or all of the following:

  • Premises Liability Coverage, which may cover injuries that are sustained on a grocery store’s property
  • Product Liability Coverage, which might cover injuries and illnesses that are caused by foods or beverages a grocery store sells
  • Advertising and Personal Injury Liability Coverage, which may cover copyright and trademark infringement claims that are filed against a grocery store
  • Umbrella Liability Coverage, which might be used to supplement one or more other liability policies
  • Auto Liability Coverage, which may be required if a grocery store uses a company vehicle to offer catering or delivery services
  • Druggist Liability Coverage, which might be needed if a grocery store operates a pharmacy
  • Liquor Liability Coverage, which may be required if a grocery store sells alcoholic beverages

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What Property Coverages Do Grocery Store Policies Offer?

Grocery store policies often include several commercial property coverages as well. After all, grocery stores have a lot of different property to protect. Some property coverages that a policy might offer include:

  • Building Coverage, which grocery stores that own their own building might need
  • Property Coverage, which might protect a grocery store’s equipment, fixtures, and inventory
  • Spoilage Coverage, which may cover perishable food that spoils because of a covered incident
  • Equipment Breakdown Coverage, which might help pay for repairs of equipment that breaks down

(Spoilage coverage is sometimes included as part of a policy’s equipment breakdown coverage.) 

What Other Coverages Do Supermarket Policies Provide?

Supermarket policies may also offer business interruption coverage, cyber liability coverage, employment practices liability coverage, and similar commercial protections. These additional coverages might not fall into the categories of property and liability protections, but they can be just as important as those types of coverages.

Most supermarket insurance policies don’t include workers compensation, health, or disability coverage. Grocery stores usually purchase these coverages separately, through stand-alone policies, when they need them.

Make Sure You Have the Right Coverage

How Can Stores Get Quotes for Grocery Store Insurance Policies?

Because grocery store insurance policies can be complex and contain many different coverages, grocery store owners should work with an independent insurance agent when they’re looking for a policy. An experienced agent will be able to help determine what coverages a grocery store needs. They’ll also have the expertise needed to compare policies and make sure they offer those coverages.

Meet Your Industry Specialist

Jeff Kroeger

Principal, Senior Vice President, and Head of Commercial Lines, Mr. Kroeger also manages the company's hospitality book of business and is that unit's primary producer. He is a graduate of Montclair State University and was named a 2015 Young Gun Insurance Business America.

Jeff has been providing exceptional insurance for restaurants, bars, nightclubs, and more for many years. He understands the unique challenges this industry faces and delivers the right coverage at an affordable price.

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