Business insurance
Retail Store Insurance
Coverage for boutiques, shops and showrooms: property, inventory, liability, theft and the income you'd lose if you had to close.
Why it's different
Coverage built for how retail stores actually work
Retail runs on inventory and foot traffic. A storm, a break-in or a customer injury can interrupt both. We protect the store, the stock and the income it produces.
- Customer injuriesSlip-and-falls are the most common retail liability claim.
- TheftShoplifting, break-ins and employee theft each need the right coverage. Crime coverage handles employee theft.
- Business interruptionIf a hurricane closes your store, business income coverage replaces lost profit and helps cover payroll.
- Seasonal inventoryStock levels change through the year. Peak-season coverage keeps you from being underinsured in December.
Coverage
What a typical program includes
Every business is different. We start here, then adjust to your contracts, locations and payroll.
Business owner's policy
Property, liability and business income
Crime coverage
Employee theft and money loss
Product liability
For products you sell
Commercial property
Including hurricane coverage for your building or improvements
Cyber
For card data and online sales
Workers' compensation
For store staff
FAQ
Retail Stores insurance questions
Does business insurance cover inventory?
Yes, under business personal property. We set limits for your peak-season stock, not just your average.
Is employee theft covered by a BOP?
Often only in a limited way. A crime policy or endorsement provides broader employee-theft coverage.
Free, no-obligation review
Get a Retail Stores insurance review
Send your current policies and any contract insurance requirements. We'll compare carriers and show you gaps before your next renewal.