Grocery Stores

What Does GL Code 13673 Cover?

ISO GL class code 13673 covers retail establishments primarily engaged in selling a wide variety of food products, including fresh produce, meats, dairy, and packaged goods, for off-premises consumption. This code encompasses the general liability exposures associated with customer foot traffic, product handling, and premises maintenance inherent in grocery store operations.

Who Uses This Class Code?

This code applies to supermarkets, convenience stores with a significant grocery component, specialty food markets, and independent grocery stores. Businesses like organic food co-ops, ethnic food stores, and large chain grocery outlets all fall under this classification.

Common GL Claims for This Class

Common general liability claims for grocery stores include customer slip-and-fall incidents due to wet floors or spilled products, and product liability claims stemming from food contamination or allergic reactions to improperly labeled goods.

Coverage Tips for Code 13673

• Implement a robust slip-and-fall prevention program, including regular floor cleaning schedules and immediate spill cleanup, as these are leading causes of claims in grocery environments.
• Ensure your general liability policy includes product liability coverage, as foodborne illness or contamination claims can be significant for grocery retailers.
• Review your policy for specific exclusions related to refrigeration breakdowns or spoilage, and consider additional coverage if these are major concerns for your inventory.
• For Florida grocery stores, verify compliance with all state and local health department regulations, as non-compliance can impact coverage in the event of a claim.