Retail Insurance Worth Buying
Whether you run a clothing boutique, antique shop, or gift store, we know you work hard each day. We also know the risks you face. That’s why we offer insurance coverages that can help keep you and your employees safe on the job.
Why Is Business Insurance for Retailers Important?
Running a retail business can be stressful. We know you face risks every day – from customer slip and falls to employee accidents. That’s why we offer business insurance you can customize to fit your needs.
Who Needs Commercial Retail Insurance?
Our retail insurance can help protect small businesses like:
- Gift stores
- Clothing boutiques
- Flower shops
How Much Does Retail Insurance Cost?
There are many factors that determine how much your insurance costs, such as:
- Industry
- Type of assets
- Property owned
- Number of employees
- Size of payroll
- Claims history
What’s the Best Business Policy for Retail Stores?
If you’re looking for business insurance coverage, one of the best places to start is with a Business Owner’s Policy (BOP). This combines key coverages into one convenient policy, including:
- General liability insurance
- Commercial property insurance
- Business income insurance
You can then add additional coverage options, like professional liability insurance or data breach coverage. Bundling these coverages can help you save money.
Taking Care of Your Retail Team
You rely on your retail workers to keep your business running successfully. Whether they’re helping customers, restocking shelves, or organizing merchandise, we know you want to keep them protected. Our retail insurance can help keep your team covered on the job.
Employee Injury
Workers’ compensation insurance helps provide benefits to employees who suffer work-related injuries or illnesses. This can help pay for their:
- Medical care
- Lost wages if they need time off work to recover
- Disability benefits
Harassment Claim
Employment Practices Liability (EPL) provides coverage if your business is sued by an employee, patron, or vendor alleging discrimination, sexual harassment, wrongful termination, or other types of claims relating to your employment practices.
Protecting Your Retail Store’s Property
You’ve invested a lot to get your retail business up and running. From the space your customers shop to the equipment you rely on, you want to make sure you protect your business with an insurance company you know has your back. We offer small business insurance made especially for retail stores like yours.
Property Damage
Commercial property insurance can protect your business and its physical assets, helping pay for repairs or replacement costs if a fire, theft, or other covered events damage your property.
Employee Car Accident
Commercial auto insurance can help pay the costs of an auto accident if you or your employee is at fault. It can help pay for property damages, medical expenses, and legal fees.
Covering Your Retail Store Operations
You’ve worked hard building your small business. Unfortunately, it can all come crashing down if you don’t have the right protections in place. With electronic transactions and digital payments becoming more and more popular, having insurance coverage that can protect your retail business from hackers or data breaches is crucial.
System Virus
Interruption of Computer Operations can help pay for the loss of business income or necessary extra expense resulting from the damage or loss of electronic data that’s been destroyed, corrupted, or made inaccessible by a virus.
Customer Injury
General liability insurance can help cover claims of bodily injury or property damage. It can help cover a customer’s medical expenses if they slip and fall at your business.
Find the Best Insurance for Your Retail Business
Our customizable coverages were made to help protect the retail business you’ve worked so hard to build.
