You might say coverage for the supermarket differs from the regular grocery because it entails super insurance coverage. That’s because such grocery stores are classified by the more than 5,000 square feet of that they occupy as well as other risk considerations.

These include:

• Big open spaces without fire cuts
• Combustible/damageable matter with blank high wall construction
  
  

The above issues create a very challenging fire situation where firefighting from the exterior is essentially limited to the store’s front.

Other issues involve:

• Wide-ranging electric needs, placing great strain on the wiring
  
  
• Considerable trash and waste that amasses
  
  
• Congested shopping aisles
  
  
• Overstocking of grocery shelves and displays
  
  
• Inadequate lighting
  
  
• Parking and sidewalk concerns
  
  
• Exposure to product liability

For further information about supermarket insurance coverage, speak an experienced, independent agency that can search through its resources for customized coverage at the best rate. 

A Supermarket Insurance Policy

This can be packaged into a comprehensive policy:

• General Liability Insurance
  
  
• Property Insurance
  
  
• Food Spoilage Insurance
  
  
• Property Insurance
  
  
• Loss of Income Insurance
  
  
• Computer Property Insurance
  
  
• Data Breach Insurance
  
  
• Equipment Breakdown Insurance
  
  
• Employee Crime Insurance
  
  
• Utility Interruption Loss of Income
  
  
• Hired Auto Insurance
  
  
• Liquor Liability (if applicable)
  
  
• Workers Compensation
  
  
• Other Insurance Coverage Options

For further information about supermarket insurance coverage, speak an experienced, independent agency that can search through its resources for customized coverage at the best rate. 

PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: What’s another reason for the name supermarket besides a super selection of food and other products? Super exposure to risk, say the commercial insurance guys! Find out the how and why of coverage in this quick summary.