Operating a grocery store means managing high inventory levels, perishable goods, public foot traffic, and equipment risks. The core policies that every grocery store should consider are:
- Business Owner’s Policy (BOP) – This package covers customer slips, inventory damage, and store property.
- General Liability Insurance – Protects against third-party bodily injury (e.g., a slip-and-fall) and property damage, including product or advertising-related claims.
- Workers’ Compensation Insurance – Required in most states; covers employee injuries from repetitive tasks, lifting heavy items, or workplace slips.
- Commercial Auto Insurance – Necessary if your store includes delivery services using company vehicles.
- Product Liability / Food Spoilage Coverage – An important extension that covers losses from spoiled or contaminated food or allergic reaction claims.
