Grocery PAK

Small Business Insurance with The IMT Group

The Grocery PAK on the Wadena BOP provides enhanced and tailored coverages for grocery stores, with the flexibility to increase or add optional coverages to meet the grocery store’s needs. Insuring your grocery store with Wadena Insurance means protection for buildings, business personal property, and liability exposures. It also includes coverage for business personal property off-premises, signs, newly acquired buildings and personal property, and employee dishonesty. The Grocery PAK has all the coverages to keep a business owner worry free!

Property Coverage

The Grocery PAK recognizes the importance of protecting your business’ tangible and intangible assets. Available property coverages include:

  • Buildings
    • Limits automatically increase a minimum of 2% annually
    • Available at replacement cost, actual cash value or functional replacement cost – the choice is yours!
  • Business Personal Property
  • Blanket Coverage
    • Available for buildings, business personal property or combination of building and business personal property
  • Personal Property of Others included in Business Personal Property Limit

Liability Coverage

The increasing number of lawsuits and high costs of legal fees makes it more important than ever in today’s world to have the best liability coverage available. The Wadena BOP understands your concerns and has included the following coverages in its Grocery PAK:

  • $300,000 limit for Bodily Injury, Property Damage, and Personal and Advertising Injury. Higher limits are also available.
  • $5,000 for medical expenses for anyone other than an insured who is injured on your premises regardless of fault.
  • Defense costs are over and above the limits listed in the policy.

Coverages designed specifically for a grocery store and included in the Grocery PAK:

  • Brands and Labels
  • Business Personal Property – Seasonal Increase
  • Credit Card Receipts
  • Delivery Errors & Omissions
  • Food Contamination
  • Lottery Errors & Omissions
  • Merchandise Withdrawal Expense

We would encourage you to find out more about our Grocery PAK by contacting a local insurance agent today!