Kentucky Grocery Store Insurance Programs

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Kentucky Grocery Store Industry Snapshot

  • Kroger is Kentucky’s most popular grocery store chain, according to Business Insider.
  • Kentucky’s major crops include tobacco, beef, poultry and corn.
  • A 2015 estimate says more than 20% of Kentucky children face food insecurity. In 2016, the state launched its first hunger initiative to tackle this problem.

Kentucky Grocery & Food Store Insurance

We all must feed ourselves, and naturally we want to do so affordably. That means being able to easily visit our local grocery store. We rely on our grocery supplier to provide a safe, sanitary and secure environment along with quality products.

Grocery store owners and managers provide invaluable services for their communities. They cannot afford to fold up operations following hazardous mishaps. To keep their stores secure, most proprietors need to carry various types of business insurance. Some of these include:

  • Property Coverage: This helps protect the business’ physical assets. It often can cover the building, inventory, shelving, fixtures, office equipment and cash registers.
  • General Liability: There’s always a chance someone could get hurt on your property. If they hold the company responsible, you might have to pay. You can use this coverage to help settle what you owe.
  • Products Liability: You want to sell a foolproof product, but there is always some embedded risk. Something you sell could always harm one of your customers. Just like general liability insurance, this coverage can help you if items sold in your store harm someone else.
  • Workers Compensation: This coverage provides supplementary income for employees injured on the job. It might help them pay for medical bills, lost wages or other costs. Most states have laws requiring businesses to offer coverage.
  • Loss of Use: You don’t want a damaging event to force you to close your business’ doors. That could mean a loss of income. But, if the worst happens, this coverage can step in. It can help you still pay your bills and reopen still in the clear.
  • Advertising Injury: You need to publicize your grocery store, and that means advertising. But, third parties might allege that you published inaccurate information, violated someone’s privacy or copied advertising. They might even claim you committed slander or libel. This coverage protects your business if someone claims an advertising injury.
  • Equipment/Machinery Breakdown: Should vital equipment break – such as air conditioning or refrigeration systems - this coverage can help repair those items.

With the help of Exceed Insurance, business owners can financially protect themselves in case unfortunate accidents strike. So, if you run a grocery store in Kentucky, don’t hesitate to get the coverage that’s appropriate for your operation. We’ll ensure it comes tailored to your store’s unique needs, while remaining affordable.

We’re not just here to sell you a policy. We’re here to be a support system for times when you most need it. Whether you need to file a claim, adjust your coverage or simply have questions, we can help. Contact us today for more information for a fast, free policy quote.

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