4 Common Risks Grocery Store Insurance Helps Cover

February 20, 2020 Blog

The Team at the Business Insurance Center Weighs In

From the locally-owned corner store to the regional chain, grocery stores provide a community service like no other to families. Lining the aisles are foods to fit anyone’s desire. From steak and potatoes to international choices and ice cream, moms and dads stream in and out picking up dinner, breakfast, and football game snacks. Whether you do it all yourself or employ other individuals, keeping up with the traffic and ensuring that the shelves are stocked is only one of the many responsibilities needing your attention. You also need to sweep and mop floors, plow or maintain parking lots, order new supplies, and most importantly, take care of customers. In all your day-to-day dealings, there are numerous risks at hand. Protect your customers, employees, and enterprise with the appropriate grocery store insurance plan.

The knowledgeable brokers at the Business Insurance Center will assist you in reviewing your existing coverage, discovering any gaps, and developing a tailored plan to get you covered. We work with reputable insurance companies to provide you the best protection at reasonable rates.

Key Risks You Should Mitigate with Grocery Store Insurance

With all the duties that need to be performed regularly, it is easy to overlook those small items that can grow into big problems. Here are four common risks you should be aware of and prepare to protect against:

  1. Accidents from Slips and Falls: Exactly as it sounds, these are times when someone slips, trips, or falls and sustains an injury. Your store probably has space for parking and housing products. A little dish soap from a busted bottle can easily translate into a broken wrist. You want to make sure you have adequate coverage to safeguard against potential claims.
  2. Accidents in the Parking Lot: Fender benders will happen. Shopping carts will dent and scratch cars. Weather conditions will leave snow mounds and ice patches. These are part of everyday business. Any entity that may be found responsible could potentially be named in lawsuits, so you want to make sure you are covered.
  3. Foodborne Illnesses: With all the food sitting on shelves, in coolers, and out in the open in the produce section, spoilage can occur and harmful pathogens can appear. You may experience a claim for medical costs, lost wages, pain and suffering, and other expenses. A good policy can help mitigate these types of claims.

Safeguard Your Grocery Store with a Comprehensive Plan from the Business Insurance Center

Continue to serve your community while also guarding against potential claims when you obtain the proper amount of grocery store insurance. For more than 30 years, our team of brokers at the Business Insurance Center have helped store owners like you, entrepreneurs, and the self-employed with their insurance needs. We strive to offer you the best protection at rates you can afford. Focus on your customers, and let us do the rest!

Request a quote online or call and speak with a knowledgeable and experienced broker at the Business Insurance Center. We have a 24/7 call center to serve you and an online Live Chat operator. 

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