Health or Natural Food Stores

What Does GL Code 13720 Cover?

ISO GL class code 13720 applies to Health or Natural Food Stores, encompassing retail establishments primarily selling organic, natural, and specialty food products, dietary supplements, and health-related goods. This code classifies operations involving the sale of packaged and bulk health foods, often including small-scale preparation of juices, smoothies, or grab-and-go items, and addresses general liability exposures related to customer interactions and product sales.

Who Uses This Class Code?

This code is applicable to businesses such as organic grocery stores, vitamin and supplement shops, natural food co-ops, specialty diet stores (e.g., gluten-free, vegan markets), and stores focusing on sustainable or locally sourced produce. It specifically covers retail operations where the primary business is the sale of health-conscious food and related products.

Common GL Claims for This Class

Common GL claims for health food stores include slip-and-fall incidents on wet floors or spilled products, foodborne illness claims from contaminated bulk items or prepared foods, and allergic reactions due to inadequate labeling of ingredients.

Coverage Tips for Code 13720

• Verify your product liability coverage is robust, especially for any in-house prepared items like fresh juices or bulk foods, to protect against claims arising from contamination or allergic reactions.
• Ensure accurate reporting of gross receipts for premium audits, as underreporting can lead to significant additional premiums and potential coverage disputes.
• Review your policy for coverage related to spoilage or contamination of perishable goods, which is a common risk for health food stores dealing with fresh produce and organic products.
• For Florida businesses, confirm compliance with all state and local health department regulations, as non-compliance can impact claims and insurability.