Whether you specialize in hyper-local foodstuffs or you sell foods from around the world, it's no secret that your independent grocery store faces serious competition from big chains. The good news is that city dwellers, foodies, and those looking for niche ingredients still rely on smaller, more specialized grocery stores. Of course, even the most loyal base of shoppers won't be able to help you if something unexpected – like a fire or a salmonella outbreak – throws you off course. In cases of expensive disaster, only business insurance can ensure that you don't have to sacrifice everything you've worked for just to recover your losses. So which insurance policies are most useful to grocery store owners? Read up on the policies below for an overview, or start a quote and talk to an agent for an idea of what your particular shop might benefit from.