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 rates 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 stores needs.
Your Grocery Store Insurance Policy May Include:
Business Personal Property Insurance coverage is used to protect property which many 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 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. Store employees have a high risk of back injuries, sprains, and hernias when not properly trained on how to property lift or use protective equipment. 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.
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!