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Health foods, health drinks, diet and nutrition supplements, organic and locally grown produce and herbs can be purchased at these stores. Health food stores carry many products for individuals on special diets, such as diabetics, vegetarians, vegans, raw foodists and people with allergies. While they sell foods, their focus is on health products. They do not sell full lines of groceries and cooking does not take place on-site.

General Liability Insurance for Health Food Stores – General Liability risks for health food stores will be similar to other food store locations. There is a risk associated with selling contaminated or spoiled food. Employees should know the proper procedures for checking inventory and maintaining freshness. Care must be taken to secure merchandise on shelves to prevent shelving collapse and related customer injuries. All deliveries should go through a rear entry to prevent customer contact and the related risk of collisions and falling inventory.

Worker’s Compensation Insurance for Health Food Stores – Proper lifting procedures should be taught to all employees to minimize the risk of Worker’s Compensation claims at a health food store. Moving boxes or other inventory improperly can result in back strain or injury. Employees should all have proper training to respond to normal and emergency injuries including 911 notifications, administering first aid and transfer to treatment facility for minor injuries. Additionally, employees should know the procedures for documenting such occurrences.

Business Auto Insurance for Health Food Stores – Business Auto risks are minimal for health food stores, unless deliveries are being made. If company vehicles are being used to run business related errands, employees should be properly trained in their operation and maintenance.

Property Insurance for Health Food Stores – Stock rooms of health food stores should be orderly with adequate aisle space to help reduce the spread of fire. Inventory should be stacked neatly and not block emergency exits. Combustible paper and packing materials should be stored away from flammable liquids and heat sources. The risk of customer theft is small, with most items not being of significant value. However, if higher priced items are present, precautions should be taken to ensure they are not removed from the store.

Crime Insurance for Health Food Stores – Health Food Stores employee theft can be best prevented if procedure requires separate employees to coordinate activities in order to complete certain tasks. A division of banking duties allows for a check and balance where one employee cannot steal without being in collusion with another employee. Inventory counts should be made regularly to prevent employee theft of inventory and standard safety procedures should be in place to avoid burglary.