General liability
Grocery store liability insurance for customer injuries, slips and falls, and other premises exposures common to food retail operations.
Grocery Store Insurance
Grocery Store Package
Insurance Solutions
Greenwood General gives retail agents and brokers access to wholesale grocery store insurance markets; General Liability, Commercial Property, Package, Liquor Liability, theft coverage, and up to $10M Excess Liability for eligible grocery stores, supermarkets, and neighborhood markets.
Grocery Store Insurance Program
Wholesale Insurance Solutions for Grocery Stores
As a wholesale commercial insurance MGA, Greenwood General gives retail insurance agents and brokers access to grocery store insurance markets built for neighborhood markets, independent grocery stores, small supermarkets, specialty food markets, and similar food retail operations. Coverage options may include grocery store general liability, commercial property, commercial package, liquor liability, theft coverage, and excess liability, subject to underwriting. Explore all of our wholesale commercial insurance markets.
Target grocery store classes
- Independent grocery stores
- Neighborhood markets
- Small supermarket operations
- Specialty and ethnic food markets
- Delicatessens and produce markets
- Food markets with beer and wine sales
- Single-location accounts
- Eligible multi-location accounts
Available Coverages
Coverage Solutions for Grocery Store Accounts
Build the coverage mix around the account, with monoline and package options available for eligible grocery store and supermarket operations.
Commercial property
Grocery store property insurance for eligible buildings, business personal property, stock, refrigeration equipment, and fixtures.
Commercial package
Combine grocery store general liability and commercial property in one placement for eligible supermarket and market accounts.
Liquor liability
Optional liquor liability may be available for eligible stores that sell beer, wine, or spirits, subject to sales mix and underwriting.
Theft coverage
Theft coverage may be available, subject to carrier terms, security controls, crime score, and underwriting review.
Excess liability
Additional liability limits may be available up to $10M for qualifying grocery store accounts.
Program Highlights
Grocery Store Insurance Program Highlights
Whether you are placing a neighborhood market or a larger grocery operation, Greenwood General provides flexible wholesale market access with clear thresholds and responsive underwriting review.
- 01Same-day quotes up to $1.5M TIV per location
Fast property quoting is available for eligible accounts, with total account TIV up to $5M.
- 02One- to two-week turnaround up to $5M TIV
Larger or more complex property schedules may require additional underwriting review.
- 03Competitive minimum premiums
General Liability minimum premiums start at $1,500 and Package minimum premiums start at $2,000.
- 04Liquor and excess options available
Eligible accounts may add Liquor Liability and Excess Liability capacity up to $10M.
Submission Requirements
How Brokers Submit a Grocery Store Risk
A complete submission is the fastest path to a bindable quote. Include the core forms and supporting underwriting information below.
Complete ACORD forms
Submit ACORD 125, 126, and 140 for package or property accounts.
Attach loss runs
Include currently valued loss runs, preferably covering the most recent five years.
Provide property values
Attach a Statement of Values with building and business personal property amounts.
Include supplemental details
Provide the required supplemental application and a clear sales breakdown.
Built for Brokers
Why Brokers Place Grocery Store Risks Through Greenwood General
Access multiple commercial markets, responsive underwriting support, and flexible placement options without sending the account to numerous carriers individually.
Multiple coverage options
Place General Liability, Property, Package, Liquor Liability, theft coverage, and Excess Liability through one wholesale partner.
Fast small-account turnaround
Eligible property accounts under $1.5M TIV per location may receive same-day quotes.
Experienced commercial underwriters
Work with underwriters familiar with grocery store sales mix, property, theft, and liquor exposures.
Submit first, appoint after
No appointment is required to send a risk. Submit the account first and complete appointment when ready to bind.
Broker FAQs
Grocery Store Insurance FAQs
Straight answers to common questions brokers ask before submitting a grocery store account.
What grocery store classes are eligible?
Eligible classes may include independent grocery stores, neighborhood markets, small supermarket operations, specialty and ethnic food markets, delicatessens, produce markets, and similar food retail accounts, subject to underwriting review.
Are supermarkets eligible?
Small and mid-size supermarket operations may be eligible. Larger supermarkets are reviewed individually based on total insurable value, sales, and operations, subject to underwriting.
What grocery store insurance coverages are available?
Available options may include General Liability, Commercial Property, Commercial Package, Liquor Liability, theft coverage, and Excess Liability.
Can grocery stores that sell beer and wine be considered?
Yes. Eligible stores that sell beer, wine, or spirits may add Liquor Liability, subject to sales mix and underwriting review.
What are the minimum premiums for grocery store insurance?
General Liability minimum premiums start at $1,500 and Commercial Package minimum premiums start at $2,000, subject to underwriting and state availability.
How quickly can grocery store property quotes be returned?
Eligible accounts may receive same-day property quotes for locations up to $1.5M TIV, with total account TIV up to $5M. Larger accounts up to $5M TIV may require approximately one to two weeks.
Is theft coverage available for grocery stores?
Theft coverage may be available subject to carrier terms, security controls, crime score, and underwriting review.
Is excess liability available?
Excess Liability capacity may be available up to $10M for qualifying grocery store accounts.
Can multi-location grocery stores be written?
Multi-location grocery accounts may be considered when the total insurable value and operations fit carrier guidelines, subject to underwriting.
What should a broker submit for a grocery store quote?
A complete submission typically includes ACORD 125, 126, and 140, currently valued loss runs, a Statement of Values, any required supplemental application, and a clear sales breakdown.
Ready to Place
Have a Grocery Store Account Ready to Quote?
Send the grocery store submission today. Complete smaller property accounts may qualify for same-day review, while larger accounts are routed to the appropriate wholesale market based on TIV and exposure.