Food Specialty

Insurance for Supermarkets & Grocery Stores

Crum & Forster’s Food Specialty unit has extensive experience underwriting food-related businesses. We provide multiline coverage solutions in conjunction with value-added risk engineering support and best-in-class claim service. Our focus is on helping our clients reduce losses to lower their cost of risk and protect their business, employees, customers, community and reputation.

We specialize in:

  • Admitted insurance for small to large size independent supermarkets, grocery stores and convenience stores
  • Food specialty programs
  • Guaranteed Cost, Deductible and SIR Loss Sensitive options

Our team is recognized for our expertise, collaborative approach and responsiveness. To learn more about our risk appetite and coverage capabilities, download our product sheets or email

Product Highlights
Food Specialty Overview
SIR Loss Sensitive Programs

Supplemental Applications
Grocery Specialty Property Supplemental Application
Druggist Supplemental Application
Retail Firearms Supplemental Application


Jamie Filler
Assistant Vice President
Target Segments

Chris Hald
Vice President, Business Development
Target Segments

Food Specialty
Franchise Programs
SIR Loss Sensitive Programs
Target Segments Brochure

Solutions & Services
Target Segments
Commercial Lines
Risk Engineering
C&F Connect Marketplace
Claim Services

Food Specialty – Target Classes

  • Supermarkets & Grocery Stores
    • Small neighborhood
    • Basic
    • Conventional
    • Deluxe
    • Specialty
    • Ethnic
    • Health & natural food markets
  • Convenience Stores with gasoline / restaurants (no grease cooking)
  • Food Specialty Programs
    • Franchise restaurants
    • Small fast casual restaurants

For additional information, see our Food Specialty Overview or our SIR Loss Sensitive Programs sheet or email

Loss Sensitive Insurance Programs

We offer an industry-focused solution for Food Specialty accounts that can support a self-insured retention and want to control their insurance costs through active risk management. Customized coverage is combined with risk mitigation techniques and data analytics to help you better manage the claims within your retention. Programs are tailored to fit the insured’s needs:

  • SIR $25,000 or greater
  • Stop loss aggregates where applicable
  • Policy limits of $1,000,000 per occurrence with higher aggregate limits available
  • Industry-specific bundled claims services provided (unbundled TPA approach may be considered)
  • Flexible collateral options
  • Industry-specific risk engineering services available at the corporate and / or store location level

For additional information, see our our SIR Loss Sensitive Programs sheet or email

Multiline Insurance Solutions


  • Commercial Auto
  • Property
  • General Liability
  • Equipment Breakdown
  • Employment Practices Liability
  • Employee Benefits Liability
  • Crime
  • Workers’ Compensation (except in CA)
  • Supported Excess
  • Coverage enhancements and other specialized solutions

For additional information, see our Food Specialty Overview or our SIR Loss Sensitive Programs sheet or email

This overview is provided for informational purposes only and is not intended to be a representation of coverage that may exist in any particular situation under a policy issued by one of the companies within Crum & Forster. All conditions of coverage, terms and limitations are defined and provided for in the policy.