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
Save up to 25% in discounts on grocery store insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
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 two or more of our policies.
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.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
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.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
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.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
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.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
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
Learn more about grocery store insurance costs and coverage.
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.
Resources for grocery store owners
We know there are hundreds of things to keep track of when you run a food service business, so we’ve curated these helpful checklists and tips for grocery store owners to protect and grow your food business.
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 log in 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?
- If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
- If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
- If you cannot access your online account and require help from our support team, please visit our online help center.
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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.