Product liability covers harm caused; recall retrieval is separate and usually needs purchasing.
Equipment breakdown covers repair and spoiled stock, which can span entire departments.
Yes. Deli, bakery and prepared departments create direct product liability exposure.
Slip-and-fall, particularly in produce and refrigerated aisles. Frequency is high and documentation matters.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
