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These stores sell packaged dairy products including milk, buttermilk, cheeses, butter, margarine, eggs and ice cream to eating establishments and individuals. Products are usually ordered directly from dairies and milk processors and may be canned, fresh or frozen. Most are ordered from local distributors, but some canned items and cheeses may be imported from overseas. Since these products spoil quickly, stores usually request fresh shipments daily.

General Liability Insurance for Dairy Products Stores – Dairy products stores must be sanitary and spills must be cleaned up immediately to help prevent falls. “Wet Floor” warning signage should also be used to prevent customers from slipping and falling. Glass counters used in dairy products stores should be free of defects and sharp corners in order to prevent customers from being cut. All public restrooms should be constructed to code to ensure safety and ADA compliance. All dairy products should be properly stored and prepared. Failure to do so may increase products liability by contaminating the products and/or causing food poisoning. Freshness dates must be routinely verified in order to provide quality products. Stores must keep documentation in the event of a manufacturer recall.

Workers’ Compensation Insurance for Dairy Products Stores – Refrigeration chemicals can be harmful to dairy products store employees if leaked into small spaces. As a result, routine checks and proper maintenance of refrigeration units should be enforced. Employees of dairy products stores may also become injured when lifting heavy items. Safety training programs should be taught to help prevent such injury. Employees should never lift anything that feels too heavy or awkward. Instead, they should ask for help and/or use a hand truck or dolly.

Property Insurance for Dairy Products Stores – Refrigerators and freezers greatly increase the risk of loss in dairy products stores. If power is lost, all products may be completely ruined. Refrigeration and freezer units need to be well maintained, up to code, and used properly. Older refrigeration equipment should be promptly replaced with new equipment. Warning systems should be in place to notify someone immediately if power is lost at dairy products stores. All wiring should be regularly inspected for cuts, fraying, and worn out insulation which should be immediately repaired by a licensed electrician.

Crime Insurance for Dairy Products Stores – Employee dishonesty contributes to the crime risk at dairy products stores. Cash flow should be monitored and responsibilities for handling money should be separated among employees. An outsider could also steal money, whether by burglary or robbery. Cash, checks, and credit card receipts should be dropped into a fire and theft resistive safe until the bank deposit is made for the day.