Grocery & Markets insurance · Nationwide
Insurance built for perishables, foot traffic & refrigeration
A refrigeration failure, a slip near the produce section, staff handling knives at a deli counter: grocery retail combines perishable inventory risk with high-traffic slip-and-fall exposure. We connect you with specialists who know the difference.
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Coverage grocery stores carry
A grocery store is a food business, a warehouse and a public building at once. Customers walk through the same floors your staff move pallets across, and everything you sell is something somebody eats, which puts product liability alongside the slips and the refrigeration.
Business Owner's Policy (BOP)
Bundles general liability and commercial property into one package sized for a single store.
The usual starting point for an independent. Spoilage and equipment breakdown are endorsements worth adding. Refrigeration failure is the loss you will actually have.
General Liability
Customer slips and falls, injuries in the aisles and parking lot, and product liability on what you sell.
Slips are the frequent claim and product liability is the severe one. Deli, bakery and prepared foods raise the second considerably over a purely packaged store.
Workers' Compensation
Medical bills and lost wages for lifting injuries, slips in the back room, and cuts in the deli and meat department.
Food and beverage stores report tens of thousands of injuries a year. Deli and meat carry the sharpest rates; stocking and receiving carry the most days lost.
Commercial Property
Your building, refrigeration, shelving, and inventory against fire, water damage, and storms.
Refrigeration is the largest and most fragile asset. Business income matters more here than in most retail. A store with no coolers cannot trade at all.
Commercial Auto
Delivery vans and drivers: liability, collision, and hired or non-owned autos.
Home delivery and catering runs bring this in. If staff ever use their own cars for a delivery, hired and non-owned is what puts the business behind them.
FAQFrequently Asked Questions
With equipment breakdown coverage as part of your property policy, yes: a mechanical failure that spoils refrigerated or frozen inventory is exactly the kind of loss it's designed to address.
The deli adds workers' comp and general liability exposure beyond typical grocery retail. Knives, slicers, hot equipment, and prepared-food handling. We'll make sure your policy reflects that added activity, not just shelf-stocking.
General liability covers customer injury claims throughout your store, including produce and other high-moisture areas. Routine cleaning and signage protocols also help reduce this risk.
Delivery activity typically requires commercial auto or hired/non-owned auto coverage beyond a standard retail policy, we'll confirm your coverage matches how you actually operate.