What Supermarket insurance covers

Slip-and-fall on a produce or freezer spill is the most frequent claim a big-box store files, and a large premises stacks the odds every hour it is open. Products-completed operations is the half that matters at the deli and prepared-foods counter, since a foodborne claim from a store-made item names the supermarket under strict product liability for what left its kitchen.

Rebuilds the building, the refrigeration cases, bakery ovens, meat-room equipment, pharmacy fixtures, and the shelf inventory after a fire, storm, or break-in. At supermarket scale the inventory and equipment values run high enough that the limit has to track what is actually on the floor and in the racks, not a generic retail average.

A large, multi-class crew of cashiers, stockers, deli, bakery, and meat staff runs under the retail grocery-with-meat classification. The butcher counter's band saws, grinders, and slicers drive the severity, and a serious laceration or lifting injury follows the experience modifier for years. Split the payroll cleanly across departments, and that keeps the annual audit from re-rating the whole store.