Program Overview: Grocery Stores/Supermarkets Insurance
Grocery stores and supermarkets face unique operational risks — from refrigeration breakdowns and food spoilage to customer slip-and-fall claims and theft. Our Grocery Stores/Supermarkets Insurance Program is designed specifically to address these exposures with tailored coverage options backed by surplus lines carriers. Whether your client is a local independent grocer or a multi-location regional chain, we can help you find the right fit for their risk profile.
Ideal Accounts and Market Appetite
This program is ideal for:
- Independent grocery stores
- Ethnic supermarkets and specialty food retailers
- Regional supermarket chains
- Grocery/deli combinations and small-format grocers
We are open to a wide range of operations, including stores with prepared food sections, liquor sales, or 24-hour operations. Submissions with prior losses or unique risk characteristics are considered on a case-by-case basis.
Coverage Highlights
We offer flexible package or monoline options, including:
- Property and General Liability (CGL/GL)
- Business Income & Business Interruption
- Theft and Crime Coverage
- Food Spoilage due to equipment breakdown or power failure
- Glass, Fire, and Personal Property
- Real & Business Personal Property
Our policies are designed to help your grocery clients stay protected against common but costly exposures in their daily operations.
Underwriting Notes and Minimum Premiums
Submissions are reviewed by experienced underwriters familiar with the retail food sector. Minimum premiums vary based on account size, location, and risk characteristics. We welcome both new ventures and established operations.
States Available
This program is available in the following states: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. All placements are on a non-admitted basis through various surplus lines markets.
Why Work With Advanced E&S Group
With a strong focus on commercial property and casualty risks in the Midwest, Advanced E&S offers unmatched market access and responsive service. Our team understands the unique challenges grocery businesses face and is committed to helping agents place competitive, well-structured coverage solutions. We work with a range of carriers to help you find a home for your tough-to-place or non-standard risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for independent grocery stores, ethnic markets, small supermarket chains, and specialty food retailers operating in the Midwest and select states.
Can you write accounts with prior claims or losses?
Yes, we consider accounts with prior losses on a case-by-case basis. A detailed submission helps us evaluate the risk effectively.
Are you able to provide monoline coverage?
Yes, we can offer monoline or package solutions depending on the needs of the insured and underwriting eligibility.
What is the minimum premium for this program?
Minimum premiums vary based on the size, scope, and risk characteristics of the account. Please submit full details for a quote.
Is this program available on an admitted basis?
No, all coverages are placed on a non-admitted basis through various surplus lines carriers.
Need help placing an account? Connect with a market specialist.