Retail Store Insurance Coverage
Premium starts from $35/months. Our all-risk retail store comprehensive insurance coverage provides coverage for theft, fire damage, equipment breakdown, customer injuries onsite, and much more to protect you from the risks you face as a store owner. We cover your operations as Retail sale of various consumer products, including food (meat, groceries, bakeries), clothing (men, women, kids), toys, gifts, supplies, uniform, medications, and everything beyond. Additionally, we offer additional coverage enhancements specific to your exposures, i.e. contamination and spoilage, temperature change, samples, coverage for property in transit (such as delivery) and so on. Complete this application or contact our agents for a customized insurance quote.
Customized Options for Retail Store Owners
Our Retail Store Owner’s Package underwritten by A+ insurance carriers and can be designed based on the challenges that you face as a retail store owner.
Common coverage for retail stores:
Occurrence Limit:
Maximum amount that an insurance company is obligated to pay all injured parties seeking resource as the result of the occurrence of an event covered under a Liability Insurance policy. We can provide up to $12 million for each occurrence.
Business Property
Business Property insurance covers losses if a fire, hail or another event damages your building and equipment, which could force you to close your store’s doors. It covers your store location and inside contents including stock and inventory, fixtures, furniture and other valuable store equipment.
Business Liability
Choose Business Liability insurance for accidents, mistakes or injuries that may occur at your store. This may include a customer’s claim of an allergy or illness because the product you sold or served at your store.
Business Crime
Unfortunately, employee theft, robbery and forgery are obstacles you may encounter as a store owner. Business Crime insurance covers you for losses both within and outside your retail store.
Workers’ Compensation
Accidents involving your employees may happen even in the safest, most code-compliant stores. We offer Workers’ Compensation insurance for your place so you are prepared when those accidents and illnesses occur.
Hired and Non-Owned Automobile Liability Insurance:
Hired Auto coverage provides your business with liability insurance for vehicles that you rent, on a short-term basis, for business purposes. It replaces or augments the liability coverage offered by auto rental agencies. Non-Owned Auto coverage protects your company in the event that your company is sued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business.