The exact type of grocery store insurance coverage you purchase will vary based on your store's particular needs. Some vital coverages unique to grocery stores and supermarkets include:
Druggist Liability — This coverage protects a pharmacy and its employees against lawsuits arising from filled prescriptions, misdelivery of drugs, and other operations.
Liquor Liability — Even though grocery stores don’t sell liquor for immediate drinking (think bartenders), they may still be liable for bodily injury or property damage that occurs because of the alcohol they sold.
Food Spoilage — This coverage protects your store against the cost of spoiled food resulting from an accepted event, such as a prolonged power outage or the failure of food storage equipment.
Product Liability — If one of the foods or beverages your store sells causes a customer to fall ill, your store may be held accountable. In this case, product liability coverage offers your grocery store financial protection if a lawsuit arises.