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Grocery Store & Supermarket Insurance: Cost & Quotes From $11

For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!


For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

Business insurance is a great way to reassure that a single thing going wrong doesn’t end in the financial downfall of your business, but it may vary significantly from industry to industry. For example, coffee shops and food vending businesses are two entirely different fields with different rates and risks.


The insurance package for grocery stores and supermarkets consists of general liability, commercial property, and other insurance policies. Read this guide to know the cost of premiums, where to get the best coverage, and more. 

Supermarket and Grocery Store Insurance

Supermarkets and grocery stores need to protect physical business assets, income, and employees. Lawsuits from aggrieved parties are another problem that supermarkets and grocery stores must address.  A tailored supermarket and grocery store insurance can cover these perils. The following are the inclusions:

  • General liability insurance
  • Product liability insurance
  • Liquor liability insurance
  • Commercial property insurance
  • Commercial auto insurance
  • Business owners policy


Supermarket and Grocery Store Liability Insurance

General liability, product liability, and liquor liability policies are the supermarket and grocery store liability insurance you’ll need. The sections below quickly discuss how each works.


General Liability Insurance


CoverWalletNEXT (Best)ThimbleHiscoxProgressiveWorld Insurance AssociatesAIG
Per occurrence limit$1,000,000$500,000/$1,000,000$1,000,000/$2,000,000$300,000/$1,000,000$1,000,000/$2,000,000$1,000,000$500,000/$2,000,000
Aggregate limit$2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$600,000/$2,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit$2,000,000$1,000,000$1,000,000$1,000,000$1,000,000IncludedIncluded
Advertising injury coverage aggregate limit$1,000,000$1,000,000$1,000,000$1,000,000$1,000,000IncludedIncluded
Tenant’s legal liability coverage limit$100,000$100,000$5,000$100,000$5,000IncludedIncluded
Waiver of subrogation included?YesNoIncludedCan be includedIncludedExcludedCan be included
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedExcludedExcludedCan be included
Equipment breakdown floater included?NoYesYesCan be includedYesExcludedCan be included
Can you get a certificate of insurance online?YesYesYesYesYesIncludedIncluded
Name additional insureds?YesYesYesYesYesIncludedIncluded
Deductible$0$0$0$0$0$0$0


General liability insurance will cover expenses if a third-party experiences an accident on the premises of the grocery store and decides to file a personal injury claim or property damage claim. This will also cover costs if someone sues the supermarket or grocery store for slander, libel, other types of reputational harm, and copyright infringement.

By the way, similar to the general liability policy of deli insurance bundles,  the general liability policy of grocery store and supermarket insurance plans offer these optional policies:

  • Non-owned/hired 

  • auto liability coverage

  • Tools and equipment coverage

  • Customer property protection coverage


Use the table above to compare the general liability policy of insurance companies we recommend for supermarkets and grocery stores. 


Product Liability Insurance

Product liability insurance will cover costs if a customer filed a claim after buying an expired or defective product. You can use this insurance to cover legal services, public relations services, and extra expenses for product recall. Note that product liability insurance is automatically offered as part of a general liability policy. 


Liquor Liability Insurance

Liquor liability insurance, also a common inclusion in convenience store insurance plans,  is useful for grocery stores and supermarkets selling liquors. When a customer who bought alcohol experienced bodily injuries or property damage from being drunk and decided to file a claim, liquor liability insurance will pay for expenses. 


Commercial Property Insurance for Grocery Stores and Supermarkets


CoverWalletNEXT (Best)ThimbleProgressive
Building coverage limit (minimum)$50,000$360,000$25,000/$500,000$25,000
Contents coverage limit (minimum)$50,000$25,000$25,000/$500,000$25,000
Outdoor signsExcluded$2,500ExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000Included
Money and securitiesExcluded$2,500$1,000Included
Lock and keys Excluded$2,500ExcludedIncluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000Included
Employee dishonesty floaterExcluded$5,000$2,500Included


Commercial property insurance will cover the commercial building of grocery stores and supermarkets. These are the functions of commercial property insurance:

  • If the commercial building is destroyed by fire or extreme weather, commercial property insurance will reimburse financial losses up to the limit stated in its terms 

  • If the commercial building is damaged by fire, theft, vandalism, extreme weather, and other covered perils, commercial property insurance will reimburse financial losses up to the limit stated in its terms


There are additional coverages in commercial property insurance. These are business equipment and tools coverage and stocks and contents coverage.


Business equipment and tools coverage will reimburse losses if the grocery store or supermarket’s generator, freezers, shopping carts, and air conditioner becomes lost or damaged due to fire, theft, vandalism, and other covered perils. 


Grocery stores and supermarkets have items to be sold, shelvings, computers, lightings, and other valuables. If these become damaged or lost due to fire, theft, vandalism, and other covered perils, stocks and contents coverage will reimburse financial losses. 


Use the table above to compare the commercial property insurance of the companies we recommend.


On a side note, in case your grocery store or supermarket works with vending machine owners, we suggest you require concessionaires to name you as an additional insured in the commercial property policy of their vending machine insurance bundle. 


Business Owner’s Policy for Supermarkets and Grocery Stores


CoverWalletThimble NEXT (Best)Progressive
General liability aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$2,000,000
Commercial property coverage limit $50,000$500,000$360,000$25,000
Optional policies can be added?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


A business owner’s policy bundles general liability and commercial property insurance. You can use this to shoulder the cost of liability claims or recover financial losses if something happens to your business property.  Optional policies might be offered in a business owner’s policy such as commercial auto and workers compensation insurance. Use the table above to compare the business owner’s policy of insurance companies we recommend. 


Workers Compensation Insurance for Supermarkets and Grocery Stores

There are numerous work-related hazards in grocery stores and supermarkets. This is why authorities require the purchase of workers' compensation insurance. Workers' compensation insurance does the following:

  • Pay for treatment, hospitalization, medication, and rehab if an employee suffers from a work-related injury or disease

  • Provide lost income compensation in the form of a weekly allowance if the employee needs to stop working for a while to continue recuperating. Lost income compensation is equal to two-thirds of the average weekly wage.

  • If the employee dies, workers' compensation insurance will provide death benefits to dependents that’s also equal to two-thirds of the average weekly wage

Compare Supermarket & Grocery Store Insurance Quotes

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Supermarket Van Insurance

Supermarket van insurance is primarily offered as commercial auto insurance. Commercial auto insurance provides the following protections:

  • Auto liability coverage - A supermarket van might cause an accident.  Auto liability coverage will pay for the medical expenses of the injured persons and will reimburse those who had their property damaged. If a person who got involved in the accident decides to sue, auto liability coverage will help pay for defense and settlements

  • Physical damage coverage - This has two forms - collision and comprehensive.  Collision physical damage coverage will pay for parts repair or replacement if the supermarket van collided with an object or vehicle and sustained damage. Comprehensive physical damage coverage will take care of parts repair or replacement if damage is sustained due to fire, theft, vandalism,  acts of nature, and other covered perils

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Supermarket & Grocery Store Insurance Cost


Cost Per MonthCost Per YearDeductible
General Liability$90$1,080$0-$500
Workers Comp$120$1,440$500-$1,000
Commercial Property$105$1,260$1,000-$2,500
Commercial Auto$110$1,320$1,000-$1,500
Business Owners' Policy$100$1,200$500-$1,000


The average supermarket & grocery store insurance cost is $90 per month or $1,080 per year for a $1 million general liability insurance. The cost of insurance for supermarkets and grocery stores varies based on a range of different factors, including the size of the operation that you’re trying to insure. As you scale up a grocery store or supermarket, then the cost of insurance will rise at the same time because of the larger number of employees working for you and the higher value of the business property.


Along with the size of a grocery store or supermarket, the cost of insurance will also depend on business history and reliability. For example, if you had a previous incident of selling expired or contaminated food, then the cost of insurance would be far higher because of the greater risk involved.


In addition, here’s another table that shows the pricing of the best companies that offer tailored supermarket and grocery store insurance.


Cost per MonthCost per YearBest for
CoverWallet$62$744Supermarket and grocery store insurance online quotes comparison
Thimble$74$888Short-term general liability insurance for grocery stores
NEXT$81$972Grocery store insurance starting at $500,000 general liability insurance limit
Progressive$96$1,152Discounted commercial auto insurance for grocery stores and supermarkets
World Insurance Associates$110$1,320Grocery stores and supermarkets looking for a company that offers business solutions
AIG$138$1,656Grocery stores and supermarkets looking for comprehensive endorsements for their commercial umbrella liability insurance
State Farm$149$1,788Business owner’s policy for grocery stores and supermarkets
USAA$182$2,184Grocery stores and supermarkets owned by active or former military personnel
MetlifeFind a Metlife insurance agent or call the company for accurate pricingFind a Metlife insurance agent or call the company for accurate pricingGrocery stores and supermarkets looking for comprehensive employee insurance products

Compare Supermarket Insurance Quotes

If you’re looking to get cheap supermarket insurance, it’s a good idea to compare supermarket insurance quotes online. You can easily do so by clicking the 'Get Quotes' button below, following the simple process, and using our free tool to find out the best possible rate on your desired supermarket insurance coverage, comparing a wide range of top carriers, rates, and policy types.

Compare Supermarket & Grocery Store Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

Best Supermarket & Grocery Store Insurance Companies

Below are the best companies for supermarket and grocery store insurance. Read the reviews to know the companies' pros, cons, and $1 million general liability insurance rate. 


CoverWallet SuperMarket and Grocery Store Insurance

 

Pros

  • General liability insurance for supermarket and grocery stores contains an optional product and completed operations coverage

  • Offers business interruption insurance and cyber liability insurance in its custom plan

  • Cancel a policy anytime

Cons

  • Not an insurance company 

 

CoverWallet has four tailored insurance options included in its supermarket and grocery store insurance - general liability only, general liability and commercial property, business owner’s policy with workers comp, and a custom plan. The company made this insurance plan by customizing the quotes of its partners. 


This company will also help if you want to purchase insurance from other companies. CoverWallet is a fast and mobile friendly online quotes comparison platform that allows you to get the quotes of insurance companies having coverage for supermarket and grocery stores. 


Choose to work with CoverWallet because you can get insured in minutes. Also, the company allows you to cancel your policy anytime and pay premiums or  get a copy of certificate of insurance online. 

 

Best for: Supermarket and grocery store insurance online quotes comparison

Average cost: $62 per month 

Our rating: 10/10

 

Thimble Grocery Store Insurance

 

Pros

  • Short-term liability insurance for grocery stores

  • Offers non-owned/rented auto coverage 

  • Choose not to have a deductible

  • Get insurance quotes fast

Cons

  • All transactions have to be made via the Thimble website or app

 

Thimble’s grocery store insurance offers general liability insurance, commercial property insurance, equipment breakdown insurance, and non-owned/rented auto coverage. Choose CoverWallet because its general liability insurance is available as a short-term policy by the hours, days, weeks, or months. Furthermore, the company allows you not to have any deductible. You can also cancel a policy anytime without any cancellation fees. 

 

Best for: Short-term general liability insurance for grocery stores

Average cost: $74 per month

Our rating: 9/10

 

NEXT Grocery Store Insurance

 

Pros

  • Instant live certificate of insurance

  • Save up to 10% if you bundle policies 

  • Offers the lowest possible policy limits

Cons

  • Those used to traditional insurance processes might find NEXT’s service complicated

 

NEXT’s grocery store insurance includes general liability insurance, workers compensation insurance, commercial auto insurance, and commercial property insurance.  Get insured by this company and get a live certificate of insurance you can send as a text message, email, or social media post via the NEXT mobile app.


Also, if you buy more than one policy, NEXT will give a 10% discount. Nonetheless, the best thing about NEXT is that it offers tailored limits depending on the plan you decide to get. Take a look at the table below:


Basic Plan Pro PlanPro Plus
Commercial Auto Insurance$85,000 combined single limit
$100,000 combined single limit$1 million combined single limit
General Liability Insurance$500,000 per occurrence limit$1 million per occurrence limit$1 million per occurrence limit 
Workers Compensation Insurance$100,000 per accident limit$500,000 per accident limit $1 million per accident limit 
Commercial Property Insurance$25,000 per occurrence limit$25,000 per occurrence limit $25,000 per occurrence limit 

 

Best for: Grocery store insurance starting at $500,000 general liability insurance limit

Average cost: $81 per month

Our rating: 8/10

 

Progressive Grocery Store and Supermarket Insurance

 

Pros

  • Up to 15% discount on commercial auto insurance for grocery stores and supermarkets 

  • Has an in-house team of insurance experts ready to assist you

  • Get quotes by calling or by using Progressive’s quotes generator

Cons

  • Customers report that Progressive’s rates suddenly increased after having their policies for 6 months

 

Progressive doesn’t have specialized insurance for supermarkets or grocery stores. Instead, this company will cover you through its retail insurance that provides protection for grocery stores and liquor stores, clothing stores, and more.  Inclusions are workers compensation, general liability insurance, and commercial auto insurance. You can also decide to get a  business owner’s policy. 

It’s best to insure your supermarket or grocery store via the Progressive Advantage® Business Program. This allows you to avail other useful insurance products such as e&o insurance and cyber insurance. Perks that you’ll enjoy are:

  • Fast and accurate commercial auto insurance and business insurance quotes

  • Discounted commercial auto insurance up to 15%

  • Access to an in-house team of business insurance consultants always ready to answer your queries and solve issues on your behalf

 

Best for: Discounted commercial auto insurance for grocery stores and supermarkets

Average cost: $96 per month

Our rating: 8/10

 

World Insurance Associates Supermarket and Grocery Store Insurance

 

Pros

  • Offers liquor liability insurance for supermarkets and grocery stores

  • Has an in-house team of underwriters that offer a plethora of business solutions 

Cons

  • Claims can’t be filed online 

 

World Insurance Associates’ grocery and supermarket insurance contains general liability insurance, liquor liability insurance, pharmacist liability insurance, product liability insurance, and commercial property insurance. 


You might want to work with this company because it offers business planning solutions to customers. World Insurance Associates has an in-house team of insurance consultants who help with:

  • Self-insured feasibility analysis

  • Business insurance planning

  • Benefits benchmarking

  • Stop loss analysis

  • And more… 

 

Best for: Grocery stores and supermarkets looking for a company that offers business solutions aside from insurance.

Average cost: $110 per month

Our rating: 7/10

 

AIG Grocery Store and Supermarket Insurance

 

Pros

  • Has an endorsement for commercial umbrella liability insurance for grocery stores and supermarkets which covers numerous perils

Cons

  • Doesn’t have tailored grocery store and supermarket insurance

 

AIG has XSEnhanced®: Grocers - an endorsement to any umbrella liability insurance program that offers coverage for errors and omissions, workplace discrimination, wrongful use of pest control chemicals, and harm brought by fungus, mold, and bacteria.  This company doesn’t have any tailored insurance programs for supermarkets and grocery stores.  But still, this company won’t stop you from buying any of its insurance solutions. 

 

Best for: Grocery stores and supermarkets looking for comprehensive endorsements to their commercial umbrella liability insurance

Average cost: $138 per month

Our rating: 7/10

 

State Farm Grocery Store Insurance

 

Pros

  • Offers comprehensive business owner’s policy

  • You can file or track a claim online

  • Different communication channels to quickly attend to customer concerns

  • Has 19,000+ local agents

Cons

  • You need to find an agent to purchase insurance

 

State Farm’s grocery store insurance includes liability insurance policies, business interruption insurance, commercial property insurance, employee dishonesty insurance, spoilage coverage, equipment breakdown, computer property insurance, and utility business interruption insurance. 

You can also opt to get coverage via State Farm’s business owner’s policy that doesn’t only bundle general liability and commercial property insurance but also includes professional liability insurance. Additional policies you can add to State Farm’s business owner’s policy are commercial auto insurance, workers compensation insurance, and commercial umbrella liability insurance. 

 

Best for: Business owner’s policy for grocery stores and supermarkets

Average cost: $149 per month

Our rating: 6/10

 

USAA Grocery Store Insurance

 

Pros

  • Business owner’s policy includes business interruption insurance

  • Get a quote online

  • File and track a claim online 

Cons

  • Only available for grocery stores and supermarkets owned by former or active military

 

Much like Metlife, USAA provides grocery store owners insurance with coverage using their small business insurance plan. The difference is that USAA’s business owner’s policy typically includes three components. Both property and general liability insurance are still there, but they also add business income insurance (business interruption) to the deal on a very affordable BOP (Business Owners' Policy).

 

Best for: Grocery stores and supermarkets owned by active or former military personnel

Average cost: $82 per month

Our rating: 5/10


USAA Grocery Claim

USAA's grocery store insurance won’t really help you if you don’t know how to file a claim with them though, so here’s what USAA will expect of you when you’re looking to file a claim on your business insurance for grocery stores. To start off, you’ll need the name of the policyholder, reason for filing a claim, policy number, photos of the damage, and any proof or details you have about how the damages were incurred.

You can either file your claim online or through the phone. If you’re filing online, you’ll have to navigate to the claims tab on the USAA website and include the details of the event as well as your contact info and any photos and proof you have. To file a claim over the phone, you can call USAA at 800-531-USAA and provide it.

 

Metlife Supermarket Insurance

 

Pros

  • Offers a lot of insurance products to help you take care of employees and avoid infringing labor laws

  • Get an insurance form or file a claim online

Cons

  • Doesn’t have a lot of business insurance products

 

Metlife offers supermarket insurance and grocery insurance in the form of business owner’s policies and commercial auto insurance. This company doesn’t only help protect your business but your employees as well. Metlife is a popular carrier for group universal life insurance, term life insurance, disability insurance, dental insurance, and more.

 

Best for:  Grocery stores and supermarkets looking for comprehensive employee insurance products

Average cost: Find a Metlife insurance agent or call the company for accurate pricing

Our rating: 4/10


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