Supermarkets, like other retail outlets, are facing significant disruption in the way customers shop for food.

Competition ranges from local farmers' markets, multinational chains, retail-giant Amazon, specialty stores like Whole Foods and Trader Joe's, and mass-market outlets like Target and Walmart.

To attract and retain customers, many supermarkets are adding products and services, but they're also increasing their risks as they do.

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Rosalie Donlon

Rosalie Donlon is the editor in chief of ALM's insurance and tax publications, including NU Property & Casualty magazine and NU You can contact her at [email protected].