When you own a business, you are expected to make sure your customers are safe while they are on the premises. Supermarkets are no exception to this. If something happens, you are responsible for taking care of their medical bills and you may even be sued. This is where supermarket premises liability insurance comes in.
What is Covered by Supermarket Premises Liability Insurance?
This type of insurance provides you with coverage for any injuries your customers, vendors, or guests may sustain. These injuries can occur due to many different factors. People can slip, trip, or fall while in your supermarket and this can easily lead to injuries. Injuries, no matter how minor they are, can easily result in a lawsuit. You don’t want to have to pay these legal fees out of pocket and supermarket premises liability insurance can cover them.
What is Not Covered by Supermarket Premises Liability Insurance?
Supermarket premises liability insurance does not provide coverage across the board and it does come with some exceptions. For example, this type of insurance does not cover your workers. If you want your workers to be covered while at your business, you should look into workers’ compensation insurance. It also does not cover damages to your business. Some examples could be fire, vandalism, or theft.
Owning a supermarket may seem relatively safe, however it is not risk free. Having supermarket premises liability insurance can make all the difference!