Grocery Store Insurance
Save up to 25% on grocery store insurance.*
Choose your primary coverage to get started:
Grocery store insurance can help protect your business from
The costs of injuries and accidents inside your store
Someone slips, trips or gets hurt in your store, and you’re asked to cover their medical bills.**
Theft and vandalism costs
Your business has tags, broken windows, a broken door and inventory was stolen. You need help to cover costs — fast.
Damage costs from fire or extreme weather
A fire, hail storm or burst water pipe ruins your inventory, computers and POS systems, furniture, flooring, lighting and the retail space you lease or own.
Lost business income
If you need to close for repairs after a covered event, your business insurance could help cover your financial losses.
Product liability expenses
A product that you make or sell causes harm to a customer’s health or damages their property, and they ask you to cover the costs and take legal action against you.
Get grocery store insurance that’s fast, flexible and convenient
ERGO NEXT specializes in small business insurance. Business insurance for grocery stores can help protect you, your business and your employees from the cost of unexpected events.
ERGO NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in business insurance for grocery stores
Insurance for grocery stores usually includes several types of policies to help protect you, your business and your employees from different business risks. Your coverage may include:
General Liability insurance for grocery stores
Protection for damage to other people's property and injuries to non-employees
general liability can help you pay for:
Workers’ Compensation insurance
Often required to help protect employees from the costs of work-related illnesses or injuries
workers compensation can help you pay for:
Commercial Property insurance
Protect your building, inventory, equipment and other business property
commercial property can help you pay for:
Product Liability insurance
Coverage for grocery stores that make or sell food, beverages and other products
product liability can help you pay for:
Save up to 25% on grocery store insurance
Pay monthly or annually, and you can cancel at any time.
How much does grocery store insurance cost?
Business insurance for grocery stores can be more affordable than you might think. The cost depends on several factors, including:
- The size and type of your grocery store.
- The products you sell, such as fresh produce, packaged foods, frozen foods or beverages.
- Your business location.
- Your number of employees.
- Your annual revenue.
- The coverage limits and deductible you choose.
- Your insurance claims history.
The best way to find out what you’ll pay for grocery store insurance is to get a quote. In about 10 minutes, you can see the cost of customized coverage for your business.
How can grocery store insurance help your business?
Grocery store insurance can help your business to:
- Lease a commercial space. Landlords often require business insurance before you can lease or renew a commercial building for your store.
- Get financing to launch your business. Banks and other financial lenders often require business insurance before you can get a business loan.
- Hire employees. Most states require workers’ comp insurance for small businesses with employees.
- Protect your store, inventory and equipment. Property insurance can help cover your food inventory, refrigeration, fixtures, POS systems and other business property if it’s damaged by a covered event like a fire, theft, vandalism or certain types of water damage.
- Handle liability claims. General liability insurance could help cover costs if a customer is injured at your store or if your business accidentally damages someone else’s property.
- Deal with product liability issues. If a food item, beverage or other product you make or sell is alleged to have caused foodborne illness, another injury or property damage, your coverage may help you.
- Recover from alcohol-related claims. If your grocery store makes or sells alcoholic beverages, liquor liability insurance may help cover certain legal and medical expenses related to covered claims.
Grocery store insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
Does grocery store insurance cover theft and shoplifting?
Commercial property insurance could help protect your business if inventory, equipment or other covered business property is stolen or damaged during a covered event, such as a burglary. The coverage available depends on your policy and the circumstances of the loss.
Could grocery store insurance cover online orders?
If your grocery store accepts online orders, processes credit card payments online or stores customer financial data or contact information, cyber liability insurance could help protect your business from certain cyber risks. It may help with covered expenses related to data breaches, ransomware and other cyber incidents, depending on the policy.
Do I need business insurance for grocery deliveries?
If your grocery store uses cars, trucks, vans or other vehicles to deliver groceries or transport inventory, you may need commercial auto insurance. Personal auto insurance usually doesn't cover vehicles used for business driving.
Do grocery stores need Liquor Liability insurance?
If your grocery store makes or sells alcoholic beverages, you may need liquor liability insurance. Liquor liability insurance could help protect your business if a customer who consumed alcohol at your store is alleged to have caused bodily injury or property damage. The coverage you need depends on your business operations and state requirements.
Can grocery store insurance cover refrigerated food inventory?
Commercial property insurance may help protect refrigerated inventory if it's damaged by a covered event. Depending on your policy, you may also be able to add coverage for certain losses related to equipment breakdown, power outages or food spoilage.
How can I get a certificate of insurance (COI)?
What do I need to get an insurance quote online?
How do you file an insurance claim with ERGO NEXT?
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
