Liability Insurance

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Grocery Store Liability Insurance Coverage

The Liability Insurance aspect of your Grocery Store Insurance Policy is designed to insure the business against losses even if they are negligent or liable for damage, injury or loss to another’s property, reputation, or health. Typically, damages, legal defense fees and settlement charges are paid by the insuring company when a claim is filed against the business.


Bodily Injury Liability

Liability coverage may pay the affected person or firm for the cost of care, the loss of services and restitution for death that results from an injury.


Property Damage Liability

In the event your business causes damage to, or causes the loss of use of someone else’s property, property damage coverage may pay for the value of the physical damage to the property; or the loss of use of that property.


Products and Completed Operations


A policy may provide coverage for your company’s completed products or services. If an injury occurs due to the use of your products or services provided, the policy would pay for the resulting damages and any legal expenses up to the policy limits.


Contractual Liability


General Liability coverage extends to any liability you may assume by entering into a variety of different types of contracts such as a building lease.


Hired Auto & Non-Owned Auto


Hired Auto & Non-Owned Auto coverage if requested is typically added not added an endorsement on a Grocery Store policy. It is intended to cover the auto liability exposure of vehicles used in the course of your business that the business may not own i.e. a rented vehicle or an employee’s vehicle. If there are no vehicles owned by the company this coverage will meet the contract requirement for Commercial Auto coverage.

Hired Auto coverage replaces or augments the liability coverage offered by auto rental agencies for example.

Non-Owned Auto coverage protects your company in the event that your company issued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business.


Products Liability Insurance

If someone is injured from the use of one of the products your Grocery Store sells, they may come after you for injuries or damages that arise out of that injury. Products Liability Insurance Coverage for your Grocery Store will protect you from claims that may result from use, by your customers, for the products you sell. For example, if a were to bite into a food item that contained a foreign matter that found it’s way into the food as a result of in-store processing.


Medical Payments

If someone is injured by you or at your business site, the policy may pay for medical and funeral expenses incurred, up to policy limits, within one year of the accident . For example, if a customer tripped and fell on your premises and had to be hospitalized.


Personal Injury

Most Grocery Store Liability Policies provide coverage if you are accused of:

  • Publishing inaccurate information that slanders or libels a person or organization
  • Publishing material that violates a person’s right of privacy
  • Falsely arresting, detaining or imprisoning someone;
  • Maliciously prosecuting someone;
  • Wrongfully evicting someone.
  • Advertising Injury


In the course of advertising your company’s own goods, products or services, this policy will provide valuable liability protection against advertising injuries resulting from:

  • Publishing inaccurate information that slanders or libels a person or organization
  • Publishing material that violates a person’s right of privacy
  • Copying some other company’s advertising ideas or style of doing business
  • Infringing on another company’s copyright, title or slogan