Coverage for the Grocery Store

RiskPoint is committed to understanding the unique insurance issues facing Grocers. We know how important proper coverage, claims handling expertise, and affordable premiums are to a Grocery store owner. That’s why we have specialists with over 50 years of Grocery Insurance knowledge dedicated to serving store owners.

Providing value does not just mean being accessible, anyone with a cell phone can do that. With us, a dedicated support staff brings expertise to your business through not only providing answers to questions but also offering direction and support for improving how you manage risk.

We Partner With You

Our goal is to be more than a typical insurance agent you rarely hear
from. Together we will help you chart a course that will accomplish
meaningful results by:
• Reducing your cost for insurance
• Ensuring proper coverage for all your assets
• Eliminating duplicate or unnecessary coverage
• Controlling expenses
• Providing expert claims support when you most need it
• Delivering loss control resources

You are critical to your community. People depend on you, and you can depend on us.

Our Solutions Are Proven

We have excellent relationships with all the major insurers, enabling us to seek out the best and most cost effective solutions for Grocers. More importantly, we work with the specialty insurers who have committed to provide programs designed to meet the unique needs of Grocery store owners. This includes coverage enhancements addressing store related risks, knowledgeable claims handling, and underwriting knowledge that results in the most favorable premiums.

Types of Coverage

Property

This Coverage helps protect the location of grocery store(s) including the building that is owned and the stores equipment, fixtures, and inventory.

General Liability

This Coverage will protect your grocery business from claims due to injuries, illnesses, and copyright and trademark infringement. Liquor liability may be required if the store sells alcoholic beverages.

Cyber

This Coverage helps protect and respond when a Cyber Incident occurs. Available coverage includes:

Funds Transfer Fraud
Phishing
Notification Expense
Ransomware
Bricking

Crime

Crime policies cover the direct loss of your funds, via malfeasance, employee dishonesty or outside criminals.

Employment Practices Liability

This coverage provides protection against not only actual but alleged acts of discrimination, retaliation, sexual harassment and wrongful termination.

Auto

In the event that a vehicle owned by you or an employee of your Grocery Store is involved in an accident while working, Hired/Non-Owned Auto Liability insurance may help cover the costs your business incurs related claims of bodily injury or property damage.

Food Spoilage

This Coverage may cover losses due to perishable food that spoils because of a covered incident.

Equipment Breakdown

This coverage provides business income and may help for the costs associated with the repairs of equipment that breaks down due to a covered cause of loss.

Workers Compensation

Workers Compensation provides coverage for employees who are injured on the job.

Safety Alerts

Grocery Industry Articles

Summer Hiring: Keeping Teens Safe on the Job

For many teens, summer is the perfect time to earn some money. Youth workers can provide valuable contributions, but their lack of experience can also make them vulnerable to injuries. Make sure your summer hiring and training practices are keeping teens safe on the...

Managing Food Traceability Risks and the Looming Deadline

The new food traceability requirements go into effect on January 20, 2026 – but many grocers aren’t ready. Although 2026 may seem like the distant future, it will be here quickly. Plus, there’s a lot to do in the meantime to ensure you’ll be compliant. The New Food...

Prevent Slips, Trips and Falls in Your Grocery Store

Slip, trip and fall incidents are a common cause of injury, and grocery stores have many hazards that can contribute to these accidents. Both customers and employees are at risk. Slip, trip and fall injuries are also a common reason for expensive personal injury...

Our Grocery Team

Joe Scarpello

Director

Melissa Johnson

Director of Agency Systems and
Commercial Insurance

Becky Steinke

Account Manager

Blake Schellenberg

CEO & President

Insurance for Grocers