Insurance for Grocery Stores

Our insurance products are specifically designed to meet the needs of grocery stores and supermarkets. Connect with an AmTrust-appointed agent to get a quote.


What is Grocery Store Insurance?

Grocery stores and supermarkets need to ensure a safe, risk-free workplace for employees. However, employees face various hazards daily, like overexertion due to lifting heavy boxes, standing in one spot for hours at a time, slips and falls, and much more. It’s imperative that owners safeguard their businesses and their workers by having the proper grocery store insurance coverage for their specific needs.

Why Choose AmTrust for Grocery Store Insurance?

AmTrust can create customized grocery store insurance policies designed to protect the business and its employees. From our customizable businesssowners policy to workers’ compensation, general liability, cyber insurance and more, we are a one-stop shop for small business insurance coverage for grocery stores and supermarkets. 

Types of Grocery Store and Supermarket Insurance Coverages

AmTrust offers insurance coverage for retail operations like grocery stores and supermarkets that can be tailored to their specific needs. 

Workers’ Compensation

Workers' Compensation Insurance protects grocery stores by providing benefits to employees injured on a job site. These benefits can address medical care and related medical costs, retraining and lost wages until the employee can return to work or compensation for permanent disability.

General Liability Insurance

General Liability Insurance provides coverage to grocery stores and supermarkets for bodily injury, personal injury and property damage caused by the business's operations, products, or injury that occurs on the job. This type of business insurance offers overage for third parties who experience harm to themselves or their property because of something the school or the employees failed to do. 

Commercial Property Insurance

Commercial Property Insurance is vital coverage for grocery stores. Property exposures for educational institutions include faulty playground equipment that could lead to a student injury, uneven or icy walkways that may cause slip and fall accidents, undetected mold issues, frozen pipes that burst in the winter, and more.

Commercial Auto

Commercial auto coverage protects grocery stores and supermarkets that own, lease or use one or more automobiles for deliveries, pickups and other business purposes from litigation related to automotive incidents, including vehicle accidents, theft and vandalism. Commercial auto insurance helps cover the costs of damage repair or vehicle replacement.

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) coverage protects grocery stores in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time or seasonal workers, volunteers and independent contractors.

Cyber Insurance

Any business that utilizes computers to complete daily tasks is at risk for a cybersecurity attack. Cyber liability insurance provides coverage for certain losses incurred due to data breaches. Businesses increasingly face cyber risks that can threaten their operations and even their existence.

AmTrust Agents

Our appointed agents fully understand the unique risks facing grocery stores and supermarkets. We deliver an unbeatable combination of sound coverage, stable pricing and exceptional service to our insureds and agents. We offer a comprehensive suite of school insurance coverages, so our appointed agents have the confidence and the flexibility to provide their clients with the right policy to protect them from risk.
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