https://completemarkets.com/company/allstar/Grocery-Store-Insurance/
Grocery Store Insurance
Allstar Financial Group’s Grocery Store Insurance program is built for the underwriting challenges of retail food operations. Through our Small Business Solutions division, agents and brokers can quickly quote and bind coverage for a wide range of grocery risks. With access to multiple carriers and flexible excess & surplus and admitted options, Allstar provides market access and underwriting flexibility to help you place grocery-related accounts with confidence.
The program is available in AL, GA, LA, MS, NC, SC, TN, and VA. Standard coverage components include Property, General Liability, Liquor Liability (select states), and Umbrella policies. Whether your client operates a neighborhood market, a specialty importer with a retail outlet, or a small chain with deli and bakery operations, this program offers customizable solutions to protect inventory, equipment, premises exposures, and liability risks.
Ideal Accounts and Appetite
We seek grocery store risks of varying sizes, including:
Independent and neighborhood grocery stores
Ethnic and specialty food markets
Corner stores and small-format grocers
Retailers with limited or full-service delis, bakeries, or meat counters
Locations with incidental liquor sales (in approved states)
Our appetite also extends to related retail operations such as convenience stores and wholesale-retail hybrids, provided they meet standard risk profile criteria and loss history expectations.
Coverage Highlights and Advantages
Property Coverage:
Total Insured Values (TIV) up to $5 million per location
Monoline or package options
No coinsurance options available on eligible risks
Optional enhancements including Equipment Breakdown
Casualty Coverage:
Primary limits up to $5 million per occurrence
Monoline or packaged casualty options
Minimum premiums starting at $500 (varies by class)
Optional endorsements such as Blanket Additional Insured and Waiver of Subrogation
Liquor Liability (select states only):
Limits from $100K/$100K to $1M/$2M
Assault and Battery coverage follows GL
Available in NC, SC, GA, TN, and VA
Umbrella Coverage:
Limits up to $5 million
Minimum premiums starting at $750
Supported and unsupported umbrella options
Underlyers meet AM Best rating requirements
Underwriting Notes and Minimum Premiums
Allstar reviews submissions with focus on location, operations, safety controls, and prior loss history. Minimum premiums vary by class and coverage type; casualty premiums can start around $500 and umbrella premiums around $750. Project-specific policies and endorsements are available to tailor coverage for deli operations, refrigeration equipment, and liquor exposures.
Territories and Availability
This program is primarily available in AL, GA, LA, MS, NC, SC, TN, and VA. Liquor liability is offered in NC, SC, GA, TN, and VA. Coverage is placed through multiple admitted and non-admitted carriers, giving agents flexibility to secure capacity for harder-to-place risks.
Why Work With Allstar Financial Group?
As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar Financial Group combines specialty underwriting expertise with broad market access. Our Small Business Solutions team is designed to make quoting and binding efficient for retail food risks, especially those with mixed operations (deli, bakery, limited alcohol sales) or unique value exposures. Working with Allstar gives you tailored underwriting, flexible program structure, and solutions for accounts that need E&S placement or enhanced endorsements.
You might have a client who runs a family-owned grocery with a deli in North Carolina — Allstar can package property, liability, and liquor coverage to address inventory, food handling, and alcohol exposures. Or you could be placing a specialty importer in Georgia with a retail storefront and wholesale activity; our appetite includes wholesale-retail hybrids when operations and controls meet underwriting criteria.
Frequently Asked Questions
What types of accounts are a good fit for this program?Independent grocery stores, ethnic and specialty markets, corner stores, and retail food operations with deli or bakery components are all within our target appetite.
Is liquor liability coverage available through this program?Yes. Liquor liability is offered in NC, SC, GA, TN, and VA with limits up to $1M/$2M, and Assault and Battery coverage follows the GL where provided.
Can I submit monoline coverage or must it be a package?You can submit either monoline or package policies depending on the client’s needs and the risk profile.
What is the minimum premium for this program?Minimums vary by line and class. Casualty minimums can start around $500 and umbrella minimums around $750, subject to underwriting and state availability.
How quickly can I quote and bind coverage?Our Small Business Solutions division is structured for quick turnaround so agents can efficiently quote and bind most eligible grocery accounts.
Need help placing an account? Connect with a market specialist.