Insurance for Grocery Stores
At Insurance Incorporated we’ve insured grocery stores across California since 1958. Our company will provide you with more than just a quote, you’ll have access to your own personal agent, his number, and email whom you can contact anytime. Your agent is able to provide grocery store insurance quotes through various “A Rated” insurance carriers while negotiating premium on your behalf. Call 877-428-8778 today for a free no obligation quote, we’ll help customize your policy specific to your store’s needs.
Your Grocery Store Insurance Policy May Include:
Building coverage protects your building and other structures, including completed additions to the building, Permanently installed fixtures, machinery, and equipment, and outdoor fixtures.
Business Personal Property Insurance coverage is used to protect property which may include your, inventory, furniture, equipment, supplies, etc. Many grocery stores have thousands of dollars in inventory. Business Personal Property can protect you from some of the most common losses such as theft and fire.
General Liability Insurance is a basic necessity for every grocery store. The amount of liability risk most grocery stores have is high due to the large quantity of foot traffic. Employees and even customers are known to drop or spill product causing slip and fall claims. Customers could get food poisoning from a contaminated product or poor stock rotation.
Every grocery store with one or more employees should have an active Workers Compensation Insurance policy, it’s the law. Employees have a risk of various types of injuries such as strains and sprains. Workers Compensation can provide coverage for medical bills or lost wages an employee may be owed after an accident.
Crime & Employee Dishonesty Insurance is a common and important option in the grocery store industry. It can provide coverage for occasions where employees steal money and securities or commit fraud and embezzlement. Money should be regularly taken from cash drawers and employees should be background screened prior to hiring to prevent these types of claims.
Cyber Liability is designed to cover a variety of both liability and property losses that may result when a business engages in various electronic activities, such as selling or collecting data and a breach of customers personal information occurs, such as credit card numbers. These type of policies cover expenses such as notification costs, credit monitoring, costs for monitoring.
Other Coverage Options Your California Grocery Store May Need
-Employment Practices Liability (EPLI)
Call us at 877-428-8778 for rates on your grocery store insurance policy today!