Insurance That Keeps Your Shop Running
Running a retail store comes with daily risks—from customer slip-and-falls to inventory damage and employee claims. Our retail business insurance packages are tailored to cover your storefront, your people, and your bottom line. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
What Does Retail Insurance Cover?
Retail policies may include general liability, commercial property, business income protection, and workers’ comp. We’ll explain what fits your store and your goals. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
Why Retailers Need Tailored Coverage
A standard business policy may not cover everything retail stores need—like seasonal inventory surges or equipment breakdowns. We'll help you find the right fit, whether you run a boutique, convenience store, or specialty shop.
Smart Coverage Options
Business Interruption
Replaces lost income if you have to close temporarily after a covered loss.
Commercial Property
Protects your store, signage, inventory, and fixtures.
Employee Coverage
Includes workers’ comp and options for employee dishonesty or claims.
Retail Insurance FAQs
Do I need insurance if I lease a shop?
Yes. Landlords often require liability coverage—and you’ll still want protection for your inventory and income.
Can I insure seasonal or pop-up locations?
Yes. We offer flexible options for short-term or mobile retail businesses.
Will it cover spoiled goods from a power outage?
Certain policies include spoilage coverage. We’ll help you add it if needed.
What if I sell online too?
We can help you cover your physical shop and your e-commerce operations under one policy.