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These food shops sell specialty or gourmet food items, such as condiments, sauces, pastas and oriental or other ethnic food varieties. Food may be fresh, frozen or canned; it may be pre-packaged or sold in bulk. Examples of foods sold in gourmet and specialty food shops include organic and natural foods, olives, mushrooms, herbs, spices, sweets, Indian foods, French delicacies and Greek specialties. Items are generally not found in grocery stores or convenience stores. The shops may have mail order services in place.

General Liability Insurance for Gourmet & Specialty Food Shops – Gourmet and specialty food stores specialize in marketing unique or hard to find food items to their customers. As with any store selling consumable products to the public, there is the risk of selling tainted or expired food. Employees should know the proper procedures for checking inventory for freshness and quality. Aisles and display areas should be easily accessible and free of obstructions. If a spill occurs or glass is broken, it should be cleaned up immediately and indicated with proper signage.

Workers’ Compensation Insurance for Gourmet & Specialty Food Shops – Employee risk of injury in a gourmet and specialty food shop will most likely stem from moving inventory or falling due to a spill or debris in the aisles. All employees should be instructed on the proper methods of lifting and moving heavy boxes, to avoid back strain or injury. Aisles should be kept clean and employees required to wear appropriate shoes. If a spill occurs, it should be cleaned up immediately.

Business Auto Insurance for Gourmet & Specialty Food Shops – There is very little risk for Business Auto claims at a gourmet and specialty food shop, unless deliveries are being made. All delivery vehicles should be inspected regularly and kept in good working order. Management should establish acceptable criteria for keeping delivery drivers. There should be steps in place to revoke a driver’s privileges should they fail to uphold the minimum standards of conduct.

Property Insurance for Gourmet & Specialty Food Shops – Fire is a concern for gourmet and specialty food shops, especially if cooking is taking place. All equipment should be checked and maintained regularly. Properly storing all flammable materials and removing any excess trash or recycling daily can further reduce fire risk. Shoplifting is not of great concern, as most items are not extremely valuable. However, if valuable items are present, they should be kept close to the cash register and carefully monitored by employees.

Crime Insurance for Gourmet & Specialty Food Shops – The risk of employee theft can be reduced by following recommended hiring procedures. All employees should be required to undergo a background and reference check, as well as a drug screening. Keeping only small amounts of cash on hand and making bank deposits daily can minimize employee theft of cash for gourment and specialty food shops.