Professional multi-risk grocery insurance

Professional multi-risk grocery insurance


Managing a grocery store: what you need to know before insuring yourself

Access to the profession of grocer is not regulated, but its exercise is subject to regulations concerning, in particular, labeling and compliance with hygiene standards for food products. Registration in the trades register is compulsory.

Experience, diploma and / or qualification required: No diploma is required to open a grocery-type business, but sales experience and some accounting knowledge may be useful.

Other related trades: local grocery store, organic grocery store, delicatessen, independent wine merchant, dairy, cheese, fishmonger ...

Compulsory insurance: professional liability insurance

Average rate observed: information pending

Other insurance: business premises insurance, professional vehicle insurance, key man financial protection, complementary health insurance, retirement provision.
Insure your grocery store with insurance contracts specifically designed for local grocers and traders.

You invest yourself fully in the management of your grocery store, so that your efforts are not destroyed by an unexpected event, an accident or an error, it is important to insure your business and yourself with contracts adapted to the professionals of your sector.

    Your professional liability insurance for craftsmen and traders is essential to protect you against damage caused to third parties in the course of your activity. This includes the customers present in your store.
    Your business premises are both your place of work and the place where your merchandise is stored. It is therefore very important to insure your business premises against theft, damage, fires or even climatic hazards such as floods or storms.
    As part of your profession, you may use a professional vehicle to supply you or to deliver customers. You can insure this vehicle to be compensated in the event of damage and quickly benefit from a replacement vehicle to resume your activity.
    If you could no longer work due to illness or temporary disability, the key man financial protection would allow you to be replaced as soon as possible in order to sustain your activity.
    A complementary health contract will allow you to be reimbursed for your health expenses. If your spouse works with you under the status of collaborating spouse, he may also be covered by your individual complementary health insurance, as well as your children or other beneficiaries.
    Finally, to calmly prepare for your future, think about your retirement provision. As a trader, and under the Madelin Law, you can deduct a portion of your contributions from your income.

Insurance for related trades

    Cellar insurance
    Butcher insurance
    Bakery and pastry insurance
    Catering insurance, ready meals