Insurance for Grocers

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


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.


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

  • Funds Transfer Fraud
  • Phishing
  • Notification Expense
  • Ransomware
  • Bricking


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.


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

Lifting & Carrying Heavy Objects

Premises Inspections

Loading Dock Safety

Steer Clear of Trips and Slips

Cyber Security

Grocery Industry Articles

Training Your Team to Sell Alcohol Safely

Training Your Team to Sell Alcohol Safely

Alcohol sales are big business. They can also be a big risk. To avoid fines, license suspension and other penalties, grocery stores need to train their teams how to sell alcohol safely. Underage Drinking The legal drinking age in all states in the U.S. is 21. Of...

Grocery Delivery Risk Management

Grocery Delivery Risk Management

The rise of delivery is changing the way grocers operate. Although this trend is creating benefits for both grocery operators and their customers, it’s also bringing a new host of risks. If grocers want to seize this opportunity successfully, they need to be aware of...

Liability in Active Shooter Scenarios

Liability in Active Shooter Scenarios

When an active shooting incident occurs, who is to blame? The shooter, obviously. But what about the business where the active shooting takes place? In some cases, businesses may be held liable for violent crimes that occur on their premises, even if the perpetrator...

Our Grocery Team

Joe Scarpello


Melissa Johnson

Executive Account Manager

Becky Steinke

Account Manager

Matt Davis

Director of Employee Benefits

Blake Schellenberg