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Grocery Store Breakage Insurance

Cover Accidents, Damaged Goods, and Broken Fixtures with Confidence

Broken shelves. Dropped glass jars. Damaged refrigerators. In a grocery store, accidents happen—and the cost of replacing broken items or fixtures can add up fast. That’s why smart store owners choose Grocery Store Breakage Insurance to protect against the unexpected.

At Insurance, we help grocery businesses across California and the USA safeguard their property, products, and equipment from accidental breakage and damage.

Coverage &
Policies

Explore all the ways we help protect your grocery business — from liability and property to workers' compensation and equipment breakdown coverage.
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Save more when you bundle your grocery store liability insurance with property and workers comp. Get affordable, customized plans for small and large retailers.
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We make the claims process quick and stress-free. Get step-by-step help with filing a grocery insurance claim and restoring your operations fast.
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What Does Grocery Store Breakage Insurance Cover?

Your breakage coverage may include:

Glass display cases and refrigeration doors
Shelving units and store fixtures
Accidentally dropped inventory or merchandise
Broken deli or bakery equipment

Crime-related losses are rarely covered by basic liability or property policies. This dedicated insurance fills that critical gap.

Insurance for Grocery Store Breakage

Who Needs Breakage Coverage?

Our breakage insurance is ideal for:

Independent grocery store owners

Franchise supermarket operators

Ethnic grocery and specialty food stores

Urban markets and corner stores

Retailers with self-checkout stations or open displays

If your store deals with fragile items, heavy shelving, or glass-covered refrigeration, breakage coverage is essential.

Why Breakage Coverage Is a Must-Have

In high-traffic grocery environments, breakage is nearly unavoidable. Whether it’s a shattered display case or broken merchandise due to customer mishandling, you need coverage that keeps you protected—and operational.

Our grocery store insurance policies are designed to fill this gap with affordable, reliable breakage protection.

Tailored for California & Nationwide Grocers

To fully protect your business, bundle insurance with:

Grocery Store Casualty Insurance

Grocery Store Liability Insurance

Grocery Store Workers Compensation

Equipment Breakdown Coverage

Product Spoilage Insurance

👉 Learn about General Liability Insurance California and Workers Comp for Grocers to build your complete protection plan.

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          Call: 1.888.255.4364
          How much does grocery store insurance cost?
          Costs vary based on location, size, services, and risk. For a fast, customized estimate, check our free quote tool.
          Do I need both liability and workers comp insurance?
          Yes, especially in California. Together, they protect your business from legal and financial losses.
          Can I get coverage for multiple grocery stores?
          Absolutely. We offer multi-policy insurance for grocery stores with flexible terms.
          Is there insurance for food spoilage and refrigeration breakdown?
          Yes. Our policies can include equipment breakdown insurance grocery and insurance for refrigerated food loss.
          Do you cover stores with alcohol or pharmacy licenses?
          Yes, we offer tailored policies for grocery stores with alcohol license and supermarkets with pharmacy operations.
          Do grocery store insurance policies cover theft and vandalism?
          Yes. Our grocery store insurance policies can include theft insurance and vandalism coverage to protect your store’s inventory, equipment, and physical property from unexpected criminal damage or loss.

          Still have you any problem for solutions?

          Get personalized support from experienced agents. Whether you’re looking for insurance for independent grocers, retail grocery store property coverage, or just need advice on policy types, we’re here to help.

          Compare grocery store insurance quotes or speak with a local expert today.

          Head office address:

          Westminster, CA
          9340 Bolsa Avenue
          Westminster, CA 92683

          Call for help:

          866-226-4436

          Mail for information:

          hugh@grocerystoreinsurance.com service@grocerystoreinsurance.com