Grocery Store Business Insurance

Grocery Stores carry special risk and require a special package of insurance products to protect them from those risks. Our access to the largest and best insurance companies available allows us to provide the best products in a superior package. Below is a list of the most popular insurance products we offer in our SteelePac© insurance packages.

 

Available Coverage

Our SteelePac© program gives you the flexibility to choose coverage's you need without paying for the ones you don't.

Coverage
Description
Building Coverage
Protects your building and on-site structures, machinery, equipment, floor coverings, outdoor furniture, garages, fences and additions under construction.

Optional Coverage Increase Available For: Other appurtenant building structures on premises, Walkways, patios and signs, fences, exterior and interior building glass.

BOP (Business Owners Policy) is a package product for small businesses that combines property & general liability protection into one product.
Improvements and Betterments Insurance
If you rent or lease and you made improvements to your office space this will cover loss to those improvements. Protects you against damage or destruction of improvements or betterments made by you (the tenant) in a property not owned by you.
Business personal property
Protects business personal property, such as furniture, fixtures, machinery or personal property of others that is in your care.
Business Auto
Covers damage to your vehicle(s), damage to the property of others and injury to those involved in an accident.
Property in transit
For grocery stores that have a delivery service covers damage to property while being delivered.
Accounting Restoration
Covers the increased costs of collecting accounts, re-establishing the accounts receivable records and any amounts uncollected as a result of the destruction of accounts receivable records.
Business Income / Interruption
Covers cost up to 12 months to continue operations while repairing damage to reopen business. Includes coverage for extra expense in doing so.
Money and securities
Protection for the theft, disappearance or destruction of your money.
Money orders & counterfeit paper currency
Protection against loss due to counterfeit paper or forged / false money orders
Employee dishonesty
Protects the loss of money, securities and property from the fraudulent act of an employee.
Spoilage
Reimburses for lost perishables due to refrigeration unit breakdown or power outage.
Food Contamination
Protects you from from financial loss due to injury directly from food contamination. Also helps restore reputation.
Equipment Breakdown
Coverage for damage caused by power surges, mechanical breakdown, motor burnout, and boiler damage
General Liability
Covers medical expenses, attorney fees and damages when you’re legally responsible.
Medical Payments
Covers medical bills of people injured on your property or as result of your operations. Unlike other liability coverage's this one pays out immediately and without determination of fault.
Workers Compensation
Covers medical cost for an injured employee. Also may pay out partial lost wages if injury causes employee to take time from work.

The above is provided as general information and as general policy descriptions to help you understand the different types of coverage's available. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. The above is the most popular insurance coverage's and not a complete list of available insurance products. To find out more about all the insurance products available and what group of products are right for you and your business please contact Carroll Steele Insurance to discuss your specific risks and needs.

 
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