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Deli Slicer With MeatOperating a grocery store means that you have a lot of product to maintain. You have to store, refrigerate and safeguard food stock. You also have to create a safe environment for workers and employees.

Grocery stores need various pieces of machinery. These may include refrigerators, scales, meat choppers and other materials. With these materials come the risk of failure and damages. If you lose these items, you might compromise your store's ability to operate. This could force you to cease operations while you repair the damages. That would mean lost costs to the business.

Insuring Grocery Store Machinery


Grocery store insurance can help you in protecting important machinery. However, certain pieces of machinery may need special types of coverage.

Standard property insurance on your grocery store often covers only certain items. To insure special machinery — such as refrigeration or cutting materials — you might have to buy boiler and machinery coverage (B&M insurance).

B&M coverage helps to insure specialty machinery in your store. It usually covers repair and replacement costs for damaged items.

Protecting Machinery


Do the best you can to protect machinery in your grocery store. Careful maintenance and attention means that you can reduce your insurance risks.

  • Only allow trained professionals to operate store machinery. For example, use only trained butchers who know how to use slicers and weights.
  • Use machinery only for appropriate materials. Don't attempt to use machinery for anything other than its intended use. Don't try to use deli slicers to cut butcher meat, for example.
  • Check all your machinery frequently. Before starting operations for the day, encourage employees to do a safety check. Look for leaks, frayed wiring, sparks, rust, corrosion, mold and other contamination. Don't use machinery if it appears damaged.
  • Follow proper startup and shutdown procedures on machinery. When starting up machinery for the day, observe the startup for any signs of malfunction.
  • Operate machinery within its recommended limits. For example, keep heating and cooling systems within safe temperatures. Safe handling poses less risk to the machinery, employees and patrons.
  • If you notice there are problems in a piece of machinery, don't use it. Remove any inventory or produce, and shut the piece down. Only allow trained professionals to attempt repairs on the items. Keep customers and staff away from the risk area.
Even if you have boiler and machinery coverage, using it should be your last resort. Vigilance and attention to machinery will help you reduce the risk of damages to these items. That way, you might be able to reduce the likelihood of filing a B & M insurance claim.

We've got you covered. Call Exceed Insurance at (855) 539-2333 for a free grocery store insurance quote.
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