Grocery Store Insurance

Coverage that keeps your store and your shelves protected.

Protect your store while you provide for your community.

You keep your community stocked with essentials. We’ll keep your business protected.

Running a grocery store is more than ringing up sales. You manage constant foot traffic, perishable goods, refrigeration systems, and sometimes even pharmacies or liquor sales all while keeping customers safe and shelves full. One equipment failure, injury, or lawsuit could quickly turn a good day into a financial setback.

With grocery store insurance, you can protect your property, products, employees, and customers from the unique risks your business faces.

Risks that can empty your profits.

Your store might be full of food, but it’s also full of potential hazards:

  1. Slip-and-fall accidents: Wet floors, crowded aisles, or dropped items can lead to customer injuries and lawsuits.

  1. Equipment breakdown and spoilage: A failed freezer or cooler can destroy thousands of dollars’ worth of food in hours.

  1. Liability from products or services: Spoiled food, pharmacy errors, or alcohol-related incidents can all trigger costly claims.

  1. Cybersecurity threats: Credit card and mobile payment data breaches can harm your reputation and bottom line.

  1. Auto-related risks: If you offer deliveries, a single vehicle accident could lead to expensive liability.

Coverage that works as hard as you do.

A strong grocery store insurance policy may include:

  • Commercial Property Insurance – Covers your building, inventory, shelves, registers, refrigeration units, and equipment.

  • Equipment Breakdown & Spoilage Coverage – Helps pay for repairs and lost inventory when systems fail.

  • General Liability Insurance – Protects against customer injury and property damage claims.

  • Product Liability Insurance – Covers claims related to spoiled or contaminated products.

  • Liquor Liability Insurance – If you sell alcohol, protects against alcohol-related incidents.

  • Druggist Liability Insurance – If you have a pharmacy, covers errors made in prescriptions.

  • Cyber Liability Insurance – Helps cover costs from data breaches or cyberattacks.

  • Business Auto or Hired/Non-Owned Auto Insurance – Protects your store if a delivery driver causes an accident.

  • Workers’ Compensation Insurance – Covers employee injuries.

  • Employment Practices Liability Insurance – Protects against employee-related legal claims.

  • Business Interruption Insurance – Replaces lost income if your store must close due to a covered event.

Why grocery store owners choose us.

We understand how critical uptime is for a grocery store. We’ll help you create a coverage plan that accounts for your perishable goods, heavy foot traffic, and business operations so you can keep your shelves stocked and your doors open.

Keep your aisles open and your business secure.

Don’t wait for an accident, equipment breakdown, or legal claim to put your store at risk. The right coverage helps protect your revenue, reputation, and the customers who rely on you every day.

Let’s build a grocery store insurance plan that fits your business.
Contact us today for a free consultation and customized coverage options.

All Assured Solutions