Excess & Surplus
Small Business Owners
Small Business Owners
Small Business Owners
State Disability Insurance
Commercial Auto Insurance
Auto Service Plus
Specialty Risk Coverages
Life at AmTrust
Workers’ Compensation for Grocery Stores
As a grocery store owner, you strive to create a happy, risk-free workplace for your employees. Even so, it's prudent to safeguard your business and its workers with the proper insurance policies. Getting workers' compensation coverage for your grocery store is a great place to start. In the event of a work-related accident involving an employee,
workers’ compensation insurance
is designed to help to cover medical bills, while potentially shielding your business from costly liability lawsuits. State laws also mandate workers' compensation insurance for most businesses with employees. Failing to provide this coverage could result in legal liability for work-related injuries and illnesses, legal fines and even criminal charges.
Being a grocery store employee is a tough, physical job. In addition to standing for many hours per shift, these employees are tasked with numerous responsibilities that can cause injury if performed incorrectly or repetitively. For instance, lifting heavy boxes could overexert or strain a worker, a delivery driver could be involved in a collision, or a butcher might cut himself while slicing meat. The grocery store itself is also a prime venue for
slip and fall accidents
, as any spilled liquids, squished produce, or packaging materials on the floor can pose a hazard. As a small business owner, workers' compensation coverage can help keep your employees financially protected in the event of a work-related accident.
Coverage for Work-Related Illness or Injury
Grocery stores workers' compensation insurance is designed to help cover the medical expenses associated with a workplace injury. These afflictions can range in severity from carpal tunnel syndrome to a critical slip-and-fall accident. Workers’ comp can help shoulder the financial burden of a sick or injured worker's medical treatments, and can even help cover long-term or permanent disability claims.
Coverage for Vocational Rehabilitation
Grocery store injuries can stem from many reasons including standing too long at the cash register, using repetitive motions while bagging, or practicing incorrect lifting techniques. Thankfully, these afflictions are treatable. It's essential that an injured employee receive vocational rehabilitation, both for overcoming physical constraints and ensuring the treated injury doesn't reoccur.
Protection Against Lost Wages
After an accident, your injured worker needs to focus on their rest and rehabilitation. Unfortunately, financial constraints often pressure employees into returning to work before they're ready. With grocery stores workers' comp insurance, lost wages are usually covered, so your employee can recover fully.
Additional Business Insurance for Grocery Stores
Grocery store insurance is an important part of operating a successful business. As careful as you are to protect your customers and employees, accidents still happen. The right insurance coverage can let you move forward with confidence, helping to ensure that you can recover quickly.
When most people think about going to the grocery store, they do not imagine injuries or lawsuits. But as a grocery store owner, you know better; accidents can happen, and people can get hurt, no matter how careful you are.
In addition to workers’ compensation insurance, there are a variety of other insurance options designed to address specific risks for supermarkets and grocery stores. Common insurance policies for grocery stores include the following:
General Liability Insurance
Many of the financial risks faced by small and mid-sized businesses come from third parties. Anytime a customer sustains an injury on your property or due to a mistake made by an employee, there is the potential for a lawsuit. Such lawsuits can be financially devastating, for any business. General liability insurance can help mitigate the financial impact of lawsuits from third parties.
General liability also usually provides protection if a competitor sues you for libel or slander, as well as damage done to the property of third parties by your company, such as damage to customer's car that is caused by a shopping cart.
Business Owner's Policy
For some grocery stores, it may be most cost-effective to bundle general liability coverage with commercial property insurance in a businessowner's policy (BOP). Having commercial property coverage in addition to general liability offers a number of advantages, especially for a grocery store. Commercial property coverage can help to absorb the financial impact of loss and damage to your commercial property, including your store and your inventory.
If your grocery store owns, leases, or uses one or more automobiles for deliveries, pickups, or any business-related purpose, having a
commercial auto policy
could help minimize the cost associated with accidents and damage to those vehicles, as well as damage to other people's property and medical bills. Required in many states, commercial auto insurance can help grocery stores that rely on their commercial vehicles operate safely and effectively, now and in the future.
Cybercriminals are always looking for opportunities to compromise customer data. Should your store be victimized by such criminals and a customer file a lawsuit against you, cyber liability coverage can protect you from certain losses as a result of a data breach.
Cyber liability insurance
provides can protect your grocery store from a range of cyberattacks resulting in data breaches.
How Do I Get Grocery Stores Workers' Comp and Business Insurance?
help you find insurance policies and coverage limits to help keep your grocery store business safeguarded. We work alongside you to find a bespoke insurance package for your store. To learn more about the grocery store workers' compensation packages and other top-rated insurance products that are available through AmTrust
Electricians, plumbers, metal workers, interior decorators, painters, and other types of artisan contractors face certain challenges each time they conduct business.
Workers' compensation insurance can protect your firm from liability. Explore how a workers' comp insurance plan through AmTrust can benefit your business.
A bakery's sweet future can turn sour after kitchen accidents, oven fires and liability claims. Learn how you can stay protected with bakery insurance solutions from AmTrust.
Protecting your book store from unnecessary liability, like customer injuries, is vital to the success of your company. Explore the options for book shop insurance from AmTrust Financial.
You can't always stop an accident from happening, but you can be prepared for one. Learn more about workers' comp insurance for contractors from AmTrust Financial.
It's important to protect your dental office with customized insurance options, like workers' compensation coverage. Learn more about the importance of workers' comp for dentists.
Workers' compensation for doctors helps protect your business from unnecessary liability.
If you own a furniture shop, keeping your property and inventory protected is a wise idea. Get covered today with furniture shop insurance through AmTrust Financial.
Hot styling equipment and wet floors can increase a salon's liability exposure. Protect your team with hair salons workers' compensation and small business insurance solutions from AmTrust.
Protect your hardware store from risks. Learn more about workers’ comp and commercial property insurance through AmTrust Financial.
Home Goods Stores
Home Goods Stores
Protect your home goods business, employees and customers with the right small business insurance coverage. Learn more about home goods store insurance solutions from AmTrust Financial.
An insurance agency may face numerous business risks like data breaches, third-party claims, and more. Stay covered with workers’ comp insurance specifically insurance agencies from AmTrust.
Jewelry store owners need the appropriate protection for their valuable inventory and business operations. Learn more about customizable workers comp insurance coverage for jewelry stores from AmTrust.
Libraries house books and knowledge, but they also carry risks for staff and patrons. Learn more about library workers’ compensation and property insurance solutions available from AmTrust.
As a locksmith, executing a thorough risk management plan is key to your success. Find the coverage you need with locksmith insurance solutions from AmTrust.
Machine shops are a high-risk environment, for employees and consumers. Learn more about machine shop insurance coverage from AmTrust Financial.
Classrooms can be filled with hidden liability risks. Help keep your employees safe with private schools workers' compensation and business insurance solutions through AmTrust.
Workers' comp insurance is a necessity in professional offices, allowing you to cover the costs of employee injuries. Learn more about workers’ comp insurance through AmTrust Financial.
Restaurants can be surprisingly risky places, both for employees and patrons. Restaurant Insurance helps protect you from the costs associated with such risks.
Is your retail store ready for the unexpected? Find out how to protect yourself and your employees with workers' compensation and business insurance solutions for retail environments.
As a wholesale industry business owner make sure that your assets are protected. Get covered today with workers' compensation insurance through AmTrust.