Insurance For Grocery Stores

Insurance For Grocery Stores

Insurance for Grocery Stores

All Grocery Stores have exposures that need to be addressed with proper Insurance. There are several coverages to consider, but a few of them are particularly important. In this blog, we will go over some of the most important coverages for Grocery Stores.

Insurance for Grocery Stores – General Liability

As with any business, General Liability is a very important coverage. General Liability is particularly important for Grocery Stores as there is an increased amount of foot traffic compared to other businesses. This increased foot traffic means there is an increased chance of having a customer fall and get injured. General Liability for Grocery Stores is often times affordable and can include several other important coverages.

Insurance for Grocery Stores – Workers Comp

Workers Comp is another common coverage that is not only important, by required by law. Like with any Workers Comp policy, it is important that the employees are correctly classified. This classification is important for several reasons, including carrier eligibility and premium charges. There are often several different classifications depending on the type of food your store sells, the hours of operations, and the type of work completed by the employees.

Insurance for Grocery Stores – Other Important Coverages

There are several additional coverages that are important for Grocery Stores. Business Personal Property is an optional coverage that is recommended for any Grocery Store that relies on inventory, computers, or other Business Property for daily operations. In addition to the Business Personal Property coverage, many General Liability policies can also include optional coverages for food contamination, utility disruption coverage, and coverage for loss of Business Income if your Grocery Store is unable to operate due to a covered Property Insurance loss. While these coverages are optional, they are important and often
times very affordable.

If you would like to learn more about Insurance for your Grovery Store, give us a call! You can reach our specialists at 925-297-4829.

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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.

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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.

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