Grocery stores

Grocers Insurance was founded in 1969 to help grocers obtain superior but affordable insurance coverage. We offer specialty coverage and risk control services for independent retail grocery stores and supermarkets and are a leading insurer of independent grocers throughout the United States. Our goal – to reduce our clients’ insurance costs through expert risk management and exceptional customer focus.

Coverage Highlights

Basis of coverage

Occurrence-based

Coverage available

Available coverage includes:

  • Auto liability and physical damage

  • Workers’ compensation

  • Umbrella

  • Building and business personal property

  • Business income actual loss sustained

  • Products and completed operations

  • Personal and advertising injury

  • Guaranteed cost

  • Premises medical exclusion

Coverage notes

Key differentiators:

  • Responsible claims handing — historically more than 78% of liability claims closed at no payment

  • Over 30 tailored accident prevention and safety programs

  • Extensive industry experience — over 40 years' combined experience

  • Specialized property extension form

Optional coverage available

Includes:

  • Grocers and Market Advantage Property extender endorsement

  • Equipment breakdown

  • Utility services direct damage and time element

  • Food spoilage

  • Crime and employee dishonesty

  • Liquor liability

  • Building ordinance and law

  • Money and securities

  • Employee dishonesty

  • Signs

  • Computer coverage

  • Food spoilage

  • Earthquake

  • Identity recovery

  • Equipment breakdown

  • Data compromise

Additional specialized protection available:

  • Umbrella

  • Guaranteed cost workers‘ comp plans

  • Higher employer liability limits available

  • Commercial auto

Coverage extensions to qualified insured
  • Businessowners' policy (BOP)

  • Package policy

Coverage Amounts

Minimum policy premium

$500

Minimum policy deductible

Property $500 

General Liability $0 - $50,000

Policy Limits / Capacity

$1 million / $2 million general liability

$35 million TIV per location

$10 million umbrella limit

$1 million E.L.

Appetite and Availability

Targeted classes
  • Targeting accounts with majority grocery exposure

  • A broad range, from single-unit independent grocery retailers to supermarket chains

Geographic availability

United States

Geographic availability notes

All U.S. states except AR, CT, FL, GA, HI, KS, KY, LA, MA, ME, MO, MS, NE, NH, NV, OK, RI, VT, AND WV.

Distribution

Appointed retail agents Specific account program — limited broker agreements

Additional information

Grocers Insurance places some of its business through Central Insurance Management, Inc., a managing general agency within Argo Group.