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Grocery Store Equipment Insurance

Protect Your Store’s Essential Equipment from Unexpected Damage and Downtime

our grocery store relies on equipment to keep business running—from refrigeration units and walk-in coolers to checkout systems and food prep machines. If any of these break down or are damaged, it can disrupt operations and lead to serious financial loss. That’s why Grocery Store Equipment Insurance is a smart investment for stores in California and across the USA.

At  Insurance, we offer equipment coverage that keeps your store running smoothly—even when unexpected mechanical or electrical issues arise.

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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Want to make a Claim?

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’s Covered in Grocery Equipment Insurance?

Standard commercial property insurance doesn’t cover flood damage. That’s why specialized flood insurance is critical for:

Refrigerators, freezers, and walk-in coolers
Point-of-sale (POS) systems and self-checkout units
Heating, ventilation, and air conditioning (HVAC)
Food warmers, ovens, and deli prep equipment

Pairing equipment coverage with property insurance for grocery stores ensures complete protection against physical damage, breakdown, or spoilage loss.

Ideal for All Types of Grocery Stores

Whether you run a:

Family-owned grocery shop

Franchise supermarket

Organic food store

Ethnic food market

Urban or rural retail store

Our commercial insurance for grocery stores can be tailored to meet your specific equipment needs.

Why Equipment Insurance Matters for Grocers

Commercial refrigeration, electrical systems, and point-of-sale terminals are essential to your daily operations. These systems are expensive to repair or replace—and not always covered by standard property policies.

Our equipment insurance for grocery stores helps cover repair and replacement costs, reduces downtime, and protects your bottom line.

 Visit our Grocery Store Insurance California page for location-specific policies.

Pair with Other Essential Grocery Insurance Plans

To fully protect your business, bundle flood 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