From customer injuries on your sales floor to inventory theft and fire damage, retail businesses face a unique mix of risks. We build coverage programs that protect your merchandise, your customers, and your livelihood.
Retail businesses operate on thin margins and face daily risks that can quickly threaten their viability without proper insurance coverage.
Customer Injuries
Slip-and-fall accidents on your sales floor, in aisles, or in parking lots are among the most common retail liability claims.
Inventory Theft & Shrinkage
Shoplifting, employee theft, and organized retail crime result in significant inventory losses for retailers every year.
Fire & Weather Damage
Fire, storms, and water damage can destroy your inventory, fixtures, and building — and force a prolonged closure.
Business Interruption
A covered loss that closes your store can cut off revenue while rent, payroll, and other expenses continue.
Product Liability
If a product you sell causes injury or damage, you can be named in a liability claim even if you did not manufacture it.
A well-designed retail insurance program addresses your store type, inventory value, and customer traffic.
Core protection against customer bodily injury and property damage claims at your store.
Bundles general liability and property coverage — often a cost-effective option for small to mid-size retail stores.
Protects your building, inventory, fixtures, and equipment from fire, theft, and weather damage.
Covers medical bills and lost wages for employees injured on the job. Required in most states for businesses with employees.