Grocery Store Insurance
Auburn, Everett, Islanders Insurance - San Juan County, Safe Harbor Insurance - San Juan County, Gig Harbor, Oak Harbor, Seattle, University Place

What You Can Expect:

Grocery-specific expertise– Insight and guidance that generalist agencies often overlook.
Customized coverage solutions– Policies tailored to your store’s operations and risk profile.
Competitive pricing– Direct access to top carriers to secure strong coverage at the right cost.
Long-term protection– Proactive risk management to prevent gaps and strengthen your business over time.

Types of Coverage:

1. General Liability Slip-and-falls, customer injuries, and other third-party claims. Essential protection for high-traffic environments. → Learn More
2. Property & Equipment Breakdown Protects your building contents, refrigeration systems, merchandise, and equipment from fire, theft, mechanical failure, and spoilage.
3. Workers’ Compensation Coverage for employee injuries, medical expenses, and lost wages. Critical for stores with active front-end and back-room operations.
4. Crime & Employee Dishonesty Safeguards against theft, skimming, refund fraud, gift-card manipulation, and other internal/external crime exposures common in grocery stores
5. Employment Practices Liability (EPLI) Protection against employee-related claims such as wrongful termination, harassment, and discrimination. Imperative for stores with frequent hiring cycles.

Frequently Asked Questions

• Do grocery stores need insurance coverage?
  While there are no legal insurance requirements specific to supermarkets, grocery store insurance is still strongly recommended. You can implement safety procedures and loss control measures, but accidents may still happen.
• How do I get insurance for my grocery store?

  Grocery store insurance is designed so you can tailor a policy that fits your store's needs. For example, you may not have a pharmacy, but do you sell liquor? It's also possible that your supermarket emphasizes delivery.

  Whatever your grocery store or supermarket looks like, you have insurance options. We’ll assess what your risks are and help you tailor an insurance policy. Contact us today!

• Does your supermarket have property you can't afford to replace if it's broken or damaged?

  If your answer to this question is yes, then you should consider protecting yourself and your store with grocery store insurance.

• Would your store be unable to pay out-of-pocket expenses if faced with a lawsuit for a substantial amount of money?

  If your answer to this question is yes, then you should consider protecting yourself and your store with grocery store insurance.

• What kind of insurance does a grocery store need?

  The exact type of grocery store insurance coverage you purchase will vary based on your store's particular needs. Some vital coverages unique to grocery stores and supermarkets include:

  • Druggist Liability— This coverage protects a pharmacy and its employees against lawsuits arising from filled prescriptions, misdelivery of drugs, and other operations.
  • Liquor Liability— Even though grocery stores don’t sell liquor for immediate drinking (think bartenders), they may still be liable for bodily injury or property damage that occurs because of the alcohol they sold.
  • Food Spoilage— This coverage protects your store against the cost of spoiled food resulting from an accepted event, such as a prolonged power outage or the failure of food storage equipment.
  • Product Liability— If one of the foods or beverages your store sells causes a customer to fall ill, your store may be held accountable. In this case, product liability coverage offers your grocery store financial protection if a lawsuit arises.