With the huge expenses and thin margins involved in the grocery and convenience business you may not have much time to think about your business insurance coverage and the special needs your business faces.
Unfortunately, that could be a costly mistake. There's a lot that can go wrong and the resulting bills are huge.
A group of teenagers break in early Sunday morning and help themselves to food items, cash drawers, knock aisles full of items off the shelves and shut off power to the freezer units. Are you covered?
An elderly customer slips and falls in front of a cooler that was leaking water onto the floor. You begin to worry as the ambulance leaves your parking lot. Are you covered?
The afternoon thunder storm takes out compressors in two rooftop units and three coolers inside the store. Are you covered? What if it happens overnight and you lose $10,000 from food spoilage?
A fire damages half of your building. You were smart enough to keep your building coverage up to date with current reconstruction costs, however, the new city building code has a clause that requires the entire structure to be brought up to current code requirements if more than 40% damaged. This is going to require an entire new sprinkler system, enlarged rest rooms for ADA requirements and several interior walls that were frame construction now need to be masonry. Can you afford to pay for these additional costs out of your pocked or did you know you needed additional ordinance and law coverage?
Call or email one of our agents today for a free analysis of your current coverage and help assessing your needs.
Why Choose Starr Insurance?