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Grocery Store Insurance

Save up to 30% on business insurance
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Business insurance for grocery stores has never been easier

Next Insurance streamlines business insurance with coverage designed for small businesses and the self-employed
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Get covered in 10 minutes and save up to 30%
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Instant proof of insurance and easy monthly payments
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Do it all 100% online or talk to a licensed U.S.-based advisor

Grocery store insurance designed to protect your business

Next Insurance is a one-stop shop to help you get the grocery store insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include: 

  • General liability
  • Commercial auto
  • Workers’ compensation 
  • Commercial property
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Grocery store insurance

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for grocery stores and save up to 10% when you bundle.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of grocery store accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by local governments. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property.
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General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you rear end another vehicle on your way to pick up store supplies.
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Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.
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Workers' Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory, spoilage and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.
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Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses

Save up to 30% on grocery store insurance

Choose from three levels of protection to get the coverage you need
You can pay for your insurance monthly or annually and you can cancel instantly at any time.

How much does grocery store insurance cost?

Grocery store insurance costs vary based on the risks that your business faces, such as:

  • The types and number of products you sell
  • Where your store is located
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work

 

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Insurance cost

Grocery store insurance requirements

Grocery stores are almost always required to have insurance due to the risk of injury to staff and customers, as well as damage to property. You might need insurance to:

  • Start selling grocery items. Local governments might ask you to have active insurance — usually general liability or workers’ compensation.
  • Hire employees. Most states require workers’ comp insurance for grocery stores.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Frequently asked questions about business insurance

Here are some of the most common questions we get about business insurance for grocery stores. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect grocery stores?

Our grocery store insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

An employee drops a carton of eggs on a customer’s designer shoes. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A customer slips in a freshly mopped store aisle and injures their shoulder. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries 

You throw out your back while unloading a shipment at the store. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees. 

Injuries and damage involving your business vehicles

On your way to work, you slide on an icy road and hit a parked car. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Damage to your own property

A plumbing issue causes water damage in the employee bathrooms. Commercial property insurance help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism. 

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is login to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.