Grocery Store & Supermarket Insurance Programs


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Some grocery stores are small, some are large. But, they all provide the food and necessities we need. No store is complete or secure without the right business insurance backing it up. The expert team at Exceed Insurance can help you customize benefits to your satisfaction.

Why You Need Insurance

You never know when someone might fall and get hurt in your produce aisle. You can't predict if lightning will strike the building and cause a fire, or if a prolonged power outage will cause food to spoil. In these cases, it might be time to pull out your grocery store's insurance portfolio.

With coverage in place, you can avoid having to pay many damage costs out of your own accounts. You'll be able to use your policy's support to get back on your feet and return to full operability and profitability. Coverage is a win-win situation because it can provide you adequate financial support at very reasonable personal costs.

Policy Options To Consider

Most grocery businesses will benefit from a variety of insurance options.

  • Property Coverage: This insurance protects your building and your business' personal property. Should you face a hazard that damages the property, this coverage can help you make repairs.
  • General Liability Insurance: Guests or other parties who suffer an injury or other property loss in your business may seek damages or sue the store. This coverage can help you pay for the party’s damage without putting yourself in a bind.
  • Products Liability Coverage: You want to sell a foolproof product, but there is always some embedded risk. This coverage can help you if items sold in your store harm someone else.
  • Advertising Injury Insurance: Third parties might allege that you published inaccurate information, violated someone’s privacy or copied advertising. They might claim you committed slander or libel. This coverage protects your business against such claims.
  • Umbrella Liability Insurance: An umbrella policy might be able to step in to help you cover outstanding costs not covered within your standard liability policies.
  • Workers Compensation Insurance: State laws require most businesses to carry workers compensation insurance. Coverage will provide a supplementary income to employees injured on the job.
  • Business Income Coverage: An accident may mean you have to suspend operations for a time. This could lead to a loss of needed income. Business income coverage can help you sustain any losses, pay the bills and re-open in the black.
  • Equipment/Machinery Breakdown Protection: Broken air conditioning systems, refrigeration, and cooktops can all be costly expenditures. This coverage helps fund repairs.
  • Food Spoilage Coverage: If a qualifying accident — like a power outage or refrigeration breakdown — causes stock to spoil, then this coverage might help you replace the lost items.
  • Liquor Liability Insurance: Do you sell alcohol in your store? If you do, there's a chance that your sales could lead to a client harming themselves or others. The harmed party might blame the store for the damage. This coverage can help you settle damages associated with such claims.

Here at Exceed Insurance, we want to be a support system whenever you need help with your grocery store insurance needs. So, whether you're starting to look for a policy, or have questions about your existing coverage, we are ready to help. Get started with a free quote today.

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