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Retail Store Insurance

Looking for retail store insurance? Provide us your information once, and we’ll shop your business insurance with our +A-Rated insurance carriers.

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Retail store insurance solutions

As a retail store owner, you’re the beating heart of your business. You’re the accounting, marketing, purchasing, and tech support. The success of your retail business rests solely on your shoulders. Becuase you work hard to build and grow you business, you deserve retail store insurance that will protect it.

Who is retail coverage right for?

Our +A-Rated insurance carriers offer retail store insurance to protect a broad range of small business stores. Here are just a few of the most common:

Retail Store Insurance
  • Appliance Stores

  • Art & Craft Stores

  • Auto Parts

  • Clothing & Accessories

  • Computers & Electronics

  • Furniture

  • Hardware

  • Gifts & Novelties

  • Home & Garden

What’s the right coverage for a retail store?

Most retail stores need a business owner’s policy (“BOP”). It’s a convenient package that includes general liability and commercial property.  A BOP will include coverage for the building, its contents (including stock or inventory), and loss of income. However, a retail store also should consider insurance coverage for data breaches, employee dishonesty, employment practices liability, and perishable goods, if applicable.

Here are some of the most common coverages for retail stores:

Business Owners Policy

This coverage packages general liability and property coverage into one convenient policy. It’s a common choice for small businesses with commercial buildings or business personal property. 

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Cyber Liability Insurance

Protects against electronic threats, data breaches, and cyber-attacks. Real estate agencies frequently store or process sensitive customer data and need this coverage.

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General Liability Insurance

Nearly all small businesses need this coverage. It protects against things like bodily injury, property damage, completed operations, and advertising injury that may arise from your business.

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Real Estate Agent E&O Insurance

Having employees opens your retail store to wrongful employment practices. EPLI defends you from claims alleging wrongful employment practices, such as discrimination or wrongful termination.

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Workers Compensation

This coverage protects you and your employees. It helps pay for medical costs and lost wages to employees who become injured or ill on the job or in the course and scope of their employment.

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Commercial Auto Insurance

If you use business-owned vehicles for client meetings and showings, this coverage can protect your vehicle-related exposures.  You may also need hired and non-owned auto.

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Get coverage for more than the obvious

When you create your retail store insurance plan, it’s easy to understand the obvious risk, like burst pipes, fires on the premises, theft, or storm damage. In reality, retail stores need to plan for the less obvious risk too. Data breaches disrupted product shipments, and employee dishonesty can be equally disruptive. Here are just a few of the ways business insurance can help you keep your store running:

  • Disrupted shipments: Consider this, your store is depending on a big shipment in the morning to meet customer demand. You learn that a fire has happened at your supplier’s warehouse, and your merchandise will not arrive on time.
  • Data Breach: You arrive to work in the morning and get an alert from your IT vendor that you’re database has been hacked. Customer information and payment methods have been taken.
  • Employee theft: Despite recently stocking your shelves, you notice the inventory is looking a bit thin. You’re suspicious so you review security footage and discover an employee has sticky fingers.

Let’s Get Started

Request a business insurance quote with a specialist. We shop your
insurance with our A+ rated insurance partners.
Call 1-877-334-7646 to speak with a business specialist