19 Feb General Liability for Bay Area Grocery Stores
General Liability for Bay Area Grocery Stores
One busy weekend, and elderly gentleman walked into the grocery store where I was employed. He was a regular customer, one we all enjoyed talking with, and came into the store every Saturday around 2:00 p.m. This particular day, he walked into the store, exchanged greetings with the front desk staff, and then turned and promptly tripped over a carpet that had been laid down in the middle of the walkway. His fall was an accident- the rug had been placed on the floor that day to help customers dry their shoes as they walked in from the rain. However, that rug presented a liability to the store, as it created a tripping hazard that would not have been present any other day.
This gentleman’s situation highlights an instance of a type of coverage that a general liability insurance policy can provide to your Bay Area grocery store. Physical injury to a customer often results in some sort of medical cost. Your general liability policy may provide the funds needed to pay these medical costs, as well as any legal fees that you may incur as a result of the situation.
General liability insurance may also provides coverage in the event of property damage. In a moment of very poor judgement, two of my co-workers once decided to race one another back to the store as they handled shopping carts. All went well until one of the carts hit a rock, which sent the cart and the worker careening into the side of a customer’s car. The liability insurance policy held by the store paid to repair the damage to the customer’s car.
General liability for Bay Area grocery stores carries varying premiums, dependent on a number of factors. The size of your store will factor into the cost, as will the scope of services your store provides. Your insurance agent will be able to sit down with you and discuss your estimated policy premium, as well as any risk mitigation steps you can take to lower your liability risks and your premium. These mitigation risks can be as simple as enacting certain policies for employees to follow while working and requiring employees to attend regular safety trainings, or as complex as modifying physical attributes of the store to lower the risk for personal injury or property damage.
As a current or potential Bay Area grocer, you know that there are many situations which could result in an injury accident or property damage and require payment to the affected party. This is where the right general liability insurance policy becomes of the utmost importance to your business. Speak with your insurance agent today to determine what type and amount of coverage you need. The investment you make by purchasing a general liability insurance policy for your Bay Area grocery store will be worth the peace of mind and financial protection that it affords your business.
All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.