Depending on the size and nature of your business, you may need different types of insurance to cover your specific risks. Some of the most common policies for deli and grocery stores are:

• Business owner’s policy (BOP): This policy combines general liability and property insurance in one package, saving you money and simplifying your coverage. It covers customer injuries, property damage, and business interruption incidents.

• Workers’ compensation insurance: This policy is required by law in most states for businesses that have employees. It covers medical expenses, disability benefits, and legal costs for work-related injuries or illnesses.

• Commercial auto insurance: This policy covers the cost of accidents involving your delivery vehicles or other business vehicles. It also covers vehicle damage caused by theft or vandalism.

• Liquor liability insurance: This policy covers legal fees, property damage, and medical costs if you serve or sell alcohol to a visibly intoxicated person who then harms others.

• Cyber insurance: This policy helps you recover from cyberattacks and data breaches that affect your online systems or customer information. It covers data breach notification costs, fraud monitoring services, and cyber extortion payments.