Grocery Store Insurance
If you own or operate a grocery store in the San Diego area, in addition to worker’s compensation and other types of insurance needed by business owners in general, you should consider purchasing insurance coverage designed specifically for grocers.
Grocery store insurance typically includes replacement coverage for the property itself and equipment used on the premises, as well as providing coverage for food and perishable good spoilage that result from a covered loss.
Coverage is also important to protect your revenue stream in the event a loss or damage (collapse, water damage, fire, etc.) to your store results in it being unusable, and coverage may also be available in the event damage to your property means you cannot collect rent payments from other business tenants due to a covered loss.
In addition, grocery store insurance should provide liability coverage in the event you are liable for bodily injury, damage or loss to someone else’s property. Policies can also cover liability for employee benefits, liquor liability and druggist liability.
It is also important that grocers be covered for personal injury or product liability claims, and provide coverage for medical care if a customer, employee or vendor is injured on the premises or as a result of using a product sold in your store.
It may also make sense for grocery store insurance to cover hired and non-owned auto usage.
Finally, grocery insurance may also include insurance for advertising, in the event there are claims that your advertising or marketing slandered someone or copied another grocer’s materials.
If you own or operate a grocery store in San Diego, Chula Vista, La Jolla, Escondido, El Cajon, Riverside, or surrounding areas, Contact Us to review your existing coverage to make sure you are protected for unforeseen events.