Grocery Store Insurance

grocery store insurance

Grocery Store Insurance Worth Checking Out

Whether you’re stocking shelves or ringing up customers, we know you need to keep your small business running smoothly. A grocery store insurance strategy with The Hartford can help protect your business from things like equipment breakdown and customer slips and falls.
 
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grocery store insurance

What Does Grocers Insurance Cover?

As a grocery store owner, you sell the goods that support daily life. If something goes wrong, business insurance can help protect you from unique risks, so you can keep serving your customers without interruption. After all, freezers can fail. Food can spoil. Insurance coverage helps protect grocery stores from these and other issues like:
 
  • Property damage
  • Equipment breakdown
  • Power outages
  • Food spoilage
  • Employee accidents
  • Customer injury claims
With a grocery store business insurance plan from The Hartford, you’ll gain a partner to help you manage risk and protect your business. We can help you choose the right coverage for your store from a wide range of offerings, such as:
 
  • Business Owner's Policy (BOP)
    • General liability insurance
    • Commercial property insurance
    • Business income insurance
  • Workers' compensation insurance
  • Liquor liability insurance
  • Commercial umbrella insurance
  • Commercial auto insurance
supermarket insurance

How Much Does Business Insurance for Grocery Stores Cost?

Grocery store and supermarket insurance costs will depend on the size of your store, number of employees and types of items sold, as well as policy limits and deductibles. On average, grocers spend $1,792 a year, or $149 a month, for a business insurance policy.** Adding extra coverage, such as food spoilage or workers’ compensation, may increase your rate.
grocers insurance

We Won’t Make You Wait

At The Hartford, we know how important your time is. That’s why we’ve made it easy for you to get your proof of insurance online.

Covering Your Operations

As a local grocer, you’ve got a lot of people depending on you. Grocery store insurance can help protect your business from risks, like electrical malfunctions, property damage and data breaches.
Foodborne illness struck more than 7,000 Americans in 2021.2
General Liability Insurance for food vendors

General Liability Insurance

“An elderly customer told us he went to the emergency room after eating food from our store. He wanted us to pay his medical bills.” 
 
General Liability Insurance can help cover bodily injury and property claims against your business. This liability coverage can help pay for your customers’ medical treatment, too.
Employment Liability Insurance for Grocery Stores

Employment Liability Insurance

“I had to let go of an employee who was consistently late for work. She claimed we gave her the wrong schedules and sued us for wrongful termination.”
 
Employment liability insurance is included in a Business Owner’s Policy (BOP) with The Hartford. This coverage can help if an employee sues your business for wrongful termination, discrimination or harassment.

Help Protect Your Property

It’s important to protect your business’ property, such as the valuable equipment you rely on to keep your food fresh and stored properly. Having the right type of coverage can bring you peace of mind if things go wrong.
Electrical fires in nonresidential buildings caused an estimated $375 billion in damages in 2022.3
Business Owner’s Policy for Grocery Stores

Business Owner’s Policy

“The bakery ovens in our store malfunctioned and started a fire. That section of the building needed extensive repairs.”
 
A Business Owner’s Policy (BOP) combines business property and liability insurance into one policy. It can help cover damages to your building and equipment after a covered loss.
commercial auto Insurance for grocery stores

Commercial Auto Insurance

“I use a small van to make special deliveries. One night when I backed out of my parking space, I struck another vehicle.”
 
Commercial auto insurance can help pay the costs of an auto accident if you or your employee is a fault.

Taking Care of Your Team

From the deli counter to the checkout lane, your employees are essential to every part of your grocery store. Help protect your crew from potential work hazards with workers’ compensation insurance specific for your industry.
Cashiers and stockers were among the top 25 occupation groups reporting injury and illness to OSHA in 2023.4
Workers’ Compensation Insurance for Grocery Stores

Workers’ Compensation Insurance

“One of my full-time cashiers suffered shoulder pain from scanning groceries every day. Turns out he needed physical therapy.”
 
Workers’ compensation insurance can help provide benefits to employees with a work-related injury or illness. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
General Liability Insurance for Grocery Stores

General Liability Insurance

“While returning a load of carts back from the parking lot, one of my workers lost control and accidentally dented a customer’s car.”
 
General liability insurance helps cover claims that your business damaged someone else's property.

Frequently Asked Questions About Grocery Store Insurance

Grocery store insurance is a type of business insurance that can help protect your grocery store from accidents and liability claims. This kind of policy can help pay medical bills, legal defense costs and other expenses related to a lawsuit filed against your business. It can also help cover the cost of product recalls or replacements. Grocery store insurance helps protect you from the wide range of risks that come with operating a grocery store, supermarket or specialty food store.
We know grocers and specialty food stores face unique risks. Customers can slip and fall on a broken bottle of ketchup or an employee can be injured moving inventory in the stock room. Insurance from The Hartford can help cover the cost of property damage or bodily injury to keep your business running successfully.
From power outages to product recalls, grocery store owners need to be prepared for events that might affect food products. Business income for food contamination coverage from The Hartford can help recover some of your business’ lost income if a government agency shuts it down due to food contamination.
business insurance for grocery stores

Get a Quote for Grocery Store Insurance Made for You 

When it comes to protecting your grocery business, you’ll want an insurance partner you can trust. The Hartford has more than 200 years of experience in the insurance industry, so we understand the risks your business faces. We’re here to help you get the coverage you need for your grocery business.
 
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Last Updated: April 9, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 USAFACTS, “How Many People Get Sick From Foodborne Illness in the U.S.?”
 
3 U.S. Fire Administration, “Nonresidential Building Electrical Malfunction Fire Trends (2013-2022)” 
 
4 OSHA, “2023 Work-Related Injury and Illness Summary”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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