Grocery Store Insurance


Swingle Collins & Associates has over 30 years of expertise providing risk management and insurance solutions to the grocery store industry.  Our grocery and supermarket specific programs are catered for the independent grocer as well as regional grocery store chains nationwide.  Depending on your company’s size or location, we have a grocery store insurance solution for your company. Swingle Collin’s Grocery Store Insurance Program provides the following comprehensive grocery store insurance or supermarket insurance policies:

Grocery Store Insurance - Property Coverage

  • Blanket Replacement Cost Coverage (Building & Personal Property)

  • Machine Breakdown

  • Computer Equipment

  • Signs

  • Business Income & Extra Expense

  • Utility Services – Direct Damage (including overhead lines & business income)

  • Peak Season Inventory Increase

  • Food & Perishable Spoilage Coverage

  • Crime (Internal Theft, Robbery, Burglary, Forgery)

  • Earthquake & Flood

Grocery Store Insurance - General Liability

  • $1M per occurrence / $2M aggregate limit

  • Fire Legal Liability $300K limit

  • Employee Benefit Liability

  • Liquor Liability

  • Druggist Liability

  • Hired / Non-Owned Auto Liability

Commercial Auto Liability

  • Uninsured Motorists / Underinsured Insured Motorists limits $1M

  • Bodily Injury / Property Damage Liability $1M Combined Single Limit

Worker’s Compensation

  • Employer’s Liability Limits $1M

Executive Protection

  • Employment Practices Liability

  • Cyber / Privacy Liability

  • Directors and Officers Liability

  • Fiduciary Liability

Swingle, Collins & Associates specializes in grocery store and supermarket insurance coverage The descriptions of coverages listed on this website are brief and subject to the provisions, limitations, and exclusions that can only be expressed in your policy and related endorsements. For additional information of how Swingle, Collins & Associates can assist in meeting your coverage needs for internal theft, peak season inventory increase, or computer and machine breakdown insurance please contact your dedicated risk manager to discuss the benefits and services of personal homeowners insurance coverage.

The information contained on this page is provided for informational and educational purposes only. It contains general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverages, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details. Sample policy forms will be made available upon reasonable request.