Supermarket Insurance | Super Market Insurance

A supermarket is the center of a community, where everyone in the neighborhood goes to for their most basic needs. As a supermarket, it is important to gain the right supermarket insurance coverage, not only to maintain your business, but also to maintain the stability of the community. Considering the amount of foot traffic they usually receive, a supermarket is full of many common liabilities, such as slip and fall, theft, property damage, and personal injury. DurAmerica Brokerage can provide you with an affordable supermarket insurance policy that will ensure that your business stays insured through any crisis. Our coverage's include:

Supermarket Property Insurance

DurAmerica can cover both the property and contents of your building. If you do not own your building, we can provide a policy that just covers the contents for either their replacement cost or actual cash value. At cash value premiums tend to be less expensive, but replacement cost policies will provide swifter recovery from a loss of products, since all of the lost or damaged property will be immediately replaced with new items. If you do own the building or property we can provide coverage for the structure itself against any number of losses that can occur.

Our supermarket insurance coverage covers other property that is specific to your field of business, such as:

• • Spoiled Food
• • Equipment Breakdown
• • Computer Equipment
• • Outdoor Signs
• • Valuable Papers
• • Accounts Receivable
• • Loss of Insurance

If your supermarket suffers from an insurable loss (fire, water, theft,) we can provide it with business income coverage that will make up for your lost revenue, while your business property is being replaced or repaired.

Supermarket Liability Insurance

Our liability policies for supermarkets cover the losses against claims filed against the business for either negligence, injury, reputation, or loss to another's property. Typically these losses are in the form of legal fees or settlement charges paid by the insurance company. Our general liability policy covers:

• • Any bodily injury that a customer encounters on your business property.
• • Property damage that your business may cause to another.
• • Liquor liability if your business sells alcohol. (optional)
• • Products liability that protects you from claims that result from use of the products you sell.
• • Personal injury, if your business is accused of slander or libel.
• • Advertising injury that covers copyright claims that arise from your businesses advertising campaign.

Workers Compensation Insurance

Workers compensation covers your supermarket from claims from employees for injuries they suffered on the job. State regulations vary, but it is usually mandated by the state. We can also provide the proper workers compensation insurance for your supermarket in case such a claim would arise.

Commercial Auto Insurance

Every vehicle that is used by the supermarket for deliveries or stocking is required to have commercial auto insurance coverage. Even if it is a personal vehicle, the owners personal policy will not cover an accident that arose during a business outing. Our commercial auto policies will give you the best coverage for the best rates to ensure that your business stays on the road.

Our mission is to educate our customers, to ensure that they know how to properly insure their business. Whether you are looking for a better premium for your current supermarket, or are planning one and are searching for a competitive rate, DurAmerica can provide you with the most comprehensive coverage for the right price. Give us a call or fill out our online form to request a no obligation quote for your insurance needs.