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
Protection for the injuries, accidents and damage you cause
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
Cyber Liability insurance
Protection against cyber attack and other tech issues
Businesses often handle personal client and financial data, and a cyber incident can disrupt your operations and hurt client trust. Cyber insurance could help protect your business and help you respond quickly if there’s a data breach of sensitive client information, a cyber attack or a phishing scam that could impact your business.
cyber liability can help you pay for:
Data breaches
Cyber attacks and ransomware attacks
System failures
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
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
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 can 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 could 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 could 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 can 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?
It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How can I get a certificate of insurance (COI)?
Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
How do you file an insurance claim with ERGO NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.