Grocery stores are one of Canada’s largest essential business sectors. While there are a few main chains like President’s Choice or Sobeys, there are plenty of independent and specialty grocery stores that are just as important to Canadian neighborhoods. All grocery stores must protect themselves from internal and external risks, regardless of their business’ size.
Food Contamination Insurance for Food Stores
As a grocery store, much of your business model typically revolves around temperature- sensitive products. That means if your store location is subject to a power outage, you may need to throw out quite a bit of contaminated product. Once items like lettuce, meat and frozen items have sat outside of a fridge or freezer for too long, they can develop human-harming bacteria, like salmonella. When you purchase food contamination insurance, rather than just watching the food be thrown out, you can file a claim and be reimbursed for the value of the wasted product.
General Liability Insurance for Food Stores
A general liability insurance policy covers legal fees associated with customer accidents within your store or on your property. If a customer slips and falls in your store, they may sue you for negligence for not cleaning the spill immediately. These costs can stack up and be devastating to any small business. You won’t have to worry about these expensive costs with general liability insurance since your policy covers legal fees, medical costs and customer property damage in relation to the accident.
General Liability Insurance for Food Stores
A general liability insurance policy covers legal fees associated with customer accidents within your store or on your property. If a customer slips and falls in your store, they may sue you for negligence for not cleaning the spill immediately. These costs can stack up and be devastating to any small business. You won’t have to worry about these expensive costs with general liability insurance since your policy covers legal fees, medical costs and customer property damage in relation to the accident.
Property Insurance for Food Stores
Protect your grocery store building and all of the products inside from accidents far beyond your control with property insurance. You can’t control the weather or fires in most cases, that’s why business owners invest in property insurance. Property insurance covers replacement costs in the event of an explosion, fire, rain or hail damage, as well as break-ins and vandalism.
Product Liability Insurance
Occasionally a manufacturer will unknowingly send out a defective batch of product that you could end up selling to a customer. When this happens, you as the retailer could be held liable for any damages that the customer is left to deal with. When you have product liability insurance, costs to rectify any situation with an unhappy or injured customer can be covered without having to dip into the store’s personal finances.
If you plan on insuring your grocery store, leave no risk unmanaged. Call isure insurance and speak to an insurance broker about covering your grocery store from all angles. Our team will skillfully craft a complete and custom quote for the lowest rate!
Product Liability Insurance
Occasionally a manufacturer will unknowingly send out a defective batch of product that you could end up selling to a customer. When this happens, you as the retailer could be held liable for any damages that the customer is left to deal with. When you have product liability insurance, costs to rectify any situation with an unhappy or injured customer can be covered without having to dip into the store’s personal finances.
If you plan on insuring your grocery store, leave no risk unmanaged. Call isure insurance and speak to an insurance broker about covering your grocery store from all angles. Our team will skillfully craft a complete and custom quote for the lowest rate!