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Business Insurance For Food & Beverage Stores
Grocery store

Run Your Food & Beverage Store With Peace Of Mind.

Whether it's an impromptu stop or the destination, your shop offers something for everyone. Keeping the shelves stocked with customer favorites helps keep your business bustling, but it also takes time and energy. Helping protect your livelihood with Allstate business insurance can offer you peace of mind.

Get A Business Owner Policy Quote.

Get a BOP quote

Have Questions About Business Insurance?

Find a certified agent

Property Risks

A Fire Destroys Your Property

There is a fire and your building(s) and or business property is destroyed.

Allstate Coverage

Building/Personal Property

This provides coverage for your building and/or your business personal property up to the limits you select.

Coverage is available on a replacement cost basis up to policy limits.

You Lose Power To Your Shop

The utility company transformer blows and you lose power to your store.

Spoilage Coverage*

This provides coverage for your perishable items due to a power outage.

This provides coverage for your perishable inventory due to a power loss at a limit you select.

Loss Of Cash Due To Theft, Robbery Or Destruction

You handle a significant amount of cash in your business and a robbery could impact your income greatly.

Money & Securities

This covers the insured against the loss of money or securities due to theft, disappearance or destruction. This is normally an optional coverage, but this coverage is included with Allstate business insurance for Food & Beverage Stores.

Allstate business insurance for Food & Beverage Stores includes coverage on-premise and off-premise in the event a theft occurs.

Employee Dishonesty

You receive checks, credit card payments and cash for work that you do. In reviewing the receipts for the week, you notice that the deposits were light.

Employee Dishonesty

This coverage responds when an employee steals money or property from your business. This is normally an optional coverage, but this coverage is included with Allstate business insurance for Food & Beverage Stores.

Depending on your needs and the amount of contents or money on hand, you may want to have higher limits.

Damaged Documents

A pipe bursts and leaks all over a filing cabinet containing your critical documents. Many are damaged and others completely destroyed.

Valuable Papers & Records

This covers you for damage or destruction of important documents used in your business. This coverage is increased with Allstate business insurance for Food & Beverage Stores.

This provides coverage for your business in the event of loss of vital records. This limit is increased with Allstate business insurance for Food & Beverage Stores. This provides your business with up to 12 months of coverage.

You Can't Open Your Store

A fire destroys the roof of your store and you cannot operate your business until repairs are made.

Business Income & Extra Expense

This provides for loss of income and fixed expenses while the business is closed due to a covered loss. Extra Expense can help set up the insured at a temporary location during repairs.

This provides your business with up to 12 months of coverage.

Liability Risks

Injury Lawsuit

You are sued because somebody visiting your office tripped on the carpet and injured themselves.

Allstate Coverage

General Liability Protection

Allstate business insurance for Food & Beverage Stores provides coverage for injury to others at your premises and helps protect you from lawsuits brought against you.

Your coverage is based on a per-loss limit and an annual limit.

Wrongful Termination Lawsuit

A disgruntled employee sues you for wrongful termination.

Employment Practices Liability*

This provides coverage and support in the event of wrongful termination, sexual harassment or discrimination.

We provide you with tools to help you establish best employer practices.

Customer Data Loss Or Theft

You maintain a significant amount of your customers' confidential personal and financial data. That information is lost or stolen.

Data Compromise*

This provides case management, legal support, credit monitoring and legally required notifications.

Save time and money, and avoid high recovery costs.

Auto Risks

An Employee Causes An Accident

While performing work for you, your employee gets into an accident and causes injury and damage, you could be liable.

Allstate Coverage

Liability Protection

This coverage insures against injury to others and damage to other vehicles, even if it's due to your employee's negligence.

Vehicle Damage

Damage to your vehicle, whether your driver was at fault or not, can be very costly to fix.

Collision Coverage

This protection pays to repair damage, or even replace your vehicle if it is a total loss.

You can relax in knowing that we'll cover repairs or a replacement, subject to your deductibles.

Hail Storm Vehicle Damage

Hail can do real and costly damage to your vehicle, such as large dents and broken glass.

Comprehensive Solution

This protection pays to repair storm hail damage to your business vehicle.

You'll have peace of mind in knowing you're covered for hail damage repairs, subject to your deductibles.

You Are Injured By An Uninsured Driver

If you're in a vehicle collision with an uninsured driver and sustain serious injury, your livelihood could be at risk.

Uninsured Motorist Coverage

With this coverage, you may be protected for injuries in an accident that is caused by a driver with no insurance.

You may have the protection you need, based on your policy's Bodily Injury limit. (Restrictions apply in some states.)

Rental Vehicle Damage

If you still owe money on a loan or lease, you could be liable for the cost of replacing the vehicle.

Coverage For Rented Or Borrowed Vehicles

This coverage comes standard with your Allstate BOP, and helps protect against these potential repair costs.

You can relax because the BOP gives you this added protection at no additional charge.

Download Our Agent Discussion Guide.

As business owners themselves, Allstate agents have a unique understanding of the needs and questions you may have when selecting an insurance plan. To help you prepare for that conversation, we've complied a helpful guide to discussing your coverage with an agent.

Have Questions About Your Business Coverage Options?

An Allstate certified business insurance agent will help you find the services that meet you and your business' needs.

Find a certified agent

*Optional coverage

This is a brief description of business insurance products; this is not a contract. Read your policy for full details about the coverages. To learn more, please contact your Allstate Agent. Coverages are subject to state availability and qualifications. Other terms, conditions and exclusions may apply. Business Owners Policy is issued by Allstate Insurance Company: Northbrook, IL; Allstate New Jersey Insurance Company: Bridgewater, NJ.

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