Grocery stores provide essential needs to the community; but it’s still a business, and all businesses face certain risks. Many business owners consider physical assets and other property when deciding on business insurance, but you should also consider the liability risks that are unique to your type of business. Let’s take a look at some of the liability risks that might be present at your grocery store.
A container of juice spills in an aisle and a customer slips and falls before it’s cleaned up. He breaks an ankle, has to pay high medical bills and must take time off work to heal. He then decides to sue your store to recover those funds.
Your store sells a bad carton of eggs to a customer, who then gets quite ill. She too decides to sue to recover medical expenses and lost wages.
A metal shopping cart is blown into a customer’s car by heavy winds in the parking lot. He then needs to have two doors repaired and repainted.
Bags of charcoal are stacked on a top shelf in the grilling section, but the precarious stack tumbles down onto a customer after the shelf is gently bumped. The customer sustains a shoulder injury, along with a ruined outfit and purse.
The examples can go on, but it’s easy to see that liability risks can occur at any time. Customers, delivery couriers and other third parties are often within their rights to sue after similar events, which could become a big expense for your business.
Fortunately, a comprehensive grocery store insurance policy includes liability coverage. Every business should look into general liability insurance, but there are several other options to consider for more extensive protection. Your insurance agent can discuss these options with you and help you make an informed decision about the protection of your business.
We’ve got you covered. Call Exceed Insurance at (855) 539-2333 for more information on the grocery store insurance policies we offer.