Grocery Store Field Module

INTERACTIVE FIELD MODULE · 2026 EDITION

Grocery Store — Field Module

Retail Food, Refrigeration & Cooking Field Worksheet

Identify which departments prepare food or use cooking equipment, then document customers, products, cold storage and premises hazards. Use the cooking supplement if applicable.

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Location / Business Profile

Named insured / DBA / contact
Store address / website / phone
Date of survey / inspector
Established / years at site
Operating hours / staffing
SF / stories / construction / roof deck
Recent changes / building condition
Aisles / POS / ATMs
Underwriting Focus — Location / Business Profile

Record store format and layout, not just product categories.

Merchandise / Sales / Additional Services

Primary goods / fresh products
Packaged groceriesFresh produceFresh meatsSeafoodBeer/wineHousehold goodsFrozen foodsOther

Select categories present

Alcohol license / displayed permit
Bakery / deli / butcher / seafood prep
Dining / takeout / delivery / catering
Annual gross / food vs alcohol %
Estimated BPP / stock mix
Other sales / LPG exchange / fuel
Underwriting Focus — Merchandise / Sales / Additional Services

Distinguish products sold from services actually provided.

Cooking / Food Prep

Cooking appliances / energy source
Commercial cooking exhaust hood?Yes No Not observed Unable to confirm Not applicable

Choose Yes, No or Unable to confirm

Hood cleaning / last service
Kitchen fire suppression / service tag
Bakery ovens / ducts / equipment
Deli/takeout food assembly
Kitchen grease / housekeeping conditions
Underwriting Focus — Cooking / Food Prep

Complete the separate cooking supplement when fryers, hoods or fire-suppression equipment are present.

Refrigeration / Product Preservation

Refrigerators / freezers / walk-ins
Temperature checks / alarms
Backup power / spoilage plan
Receiving / loading / trash areas
Inventory storage / pest controls
Underwriting Focus — Refrigeration / Product Preservation

Cold-storage and leak exposures may affect BPP and business interruption.

Premises / Fire / Loss History

Spill response / floor mats / trip hazards
Exits / emergency lights / exit signs
Smoke detection / alarm / sprinklers
Extinguisher locations / tags
Security / ATM / cash controls
Parking / cart storage / exterior
Losses past five years
Records/areas not observed
Underwriting Focus — Premises / Fire / Loss History

High customer traffic makes spills, display placement and walking surfaces significant.

Photographs to Obtain

Check when obtained. Priority photographs are bold; required only where applicable, safe and permitted. Record restricted access or missing documentation.

☐Exterior, business sign and entry ☐Store aisles and checkout / ATM ☐Fresh meats, seafood, deli or bakery if present ☐Cooking line, hood and suppression tags if present ☐Roof deck/structural view if safely visible ☐Coolers, freezers and cold storage ☐Alcohol license if sold ☐Fire protection and extinguisher tag ☐Electrical panels, clear access ☐Customer floors, mats and spill stations ☐Parking and cart areas ☐Recommendation conditions

Editable Narrative Insert

Replace bracketed cues with reported or verified facts; delete claims that do not apply. Save your draft and copy the finished narrative into the report.
The risk, [name/DBA], operates a grocery store at [address] in a [stories/construction/SF] building, with [aisles] aisles, [POS] checkout stations and [ATMs]. Merchandise includes [product categories], with [fresh meat/seafood/beer and wine as applicable]. Recent upgrades reported include [details]. Annual revenue is [amount/source], with an estimated [food/alcohol] split and BPP/inventory value of [amount/source]. Food operations consist of [bakery/deli/food prep, takeout, catering or dining as applicable]. Cooking appliances and hood/suppression equipment consist of [items]; cleaning or service tags indicated [dates]. Refrigeration comprises [equipment], with temperature and backup controls described as [details]. Fire protection, security and means of egress include [systems and observations]. Customer floors, parking and delivery areas were [observations]. Losses within five years were reported as [details]. Records or areas not independently reviewed include [limitations].
The risk, [name/DBA], operates a grocery store at [address] in a [stories/construction/SF] building, with [aisles] aisles, [POS] checkout stations and [ATMs]. Merchandise includes [product categories], with [fresh meat/seafood/beer and wine as applicable]. Recent upgrades reported include [details]. Annual revenue is [amount/source], with an estimated [food/alcohol] split and BPP/inventory value of [amount/source]. Food operations consist of [bakery/deli/food prep, takeout, catering or dining as applicable]. Cooking appliances and hood/suppression equipment consist of [items]; cleaning or service tags indicated [dates]. Refrigeration comprises [equipment], with temperature and backup controls described as [details]. Fire protection, security and means of egress include [systems and observations]. Customer floors, parking and delivery areas were [observations]. Losses within five years were reported as [details]. Records or areas not independently reviewed include [limitations].

Recommendations / Follow-Up

Document only visible or otherwise supported concerns. Cite the condition, location and action needed. Use “unable to confirm” where appropriate.
Grocery Store Field Module · LossControlAcademy.com · Site-specific observations only; not a code-compliance certification.
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