Retail businesses face risks from customer injuries, inventory theft, product liability claims, and property damage. Our retail insurance programs provide comprehensive protection for stores of all sizes — from boutiques to multi-location chains.
Coverages we place
General liability for customer slip-and-fall and injury claims
Commercial property for inventory, fixtures, and signage
Product liability for items you sell
Business income for lost revenue after covered events
Employee theft and shoplifting coverage
Workers' compensation for staff injuries
Equipment breakdown for POS systems and refrigeration
Cyber liability for payment card data breaches
Who needs this coverage
Retail store owners, boutique operators, convenience store owners, gift shops, specialty retailers, and franchise operators.
What drives your premium
Store location and foot traffic
Inventory value and type of products
Annual revenue and number of employees
Security systems and loss prevention measures
Whether you sell high-risk products (firearms, supplements, etc.)
Common exclusions
Losses from online sales (may need separate e-commerce coverage)
At minimum, a BOP (general liability + commercial property) and workers' comp. Depending on what you sell, you may also need product liability, cyber liability, and commercial crime coverage.
Does a BOP cover inventory theft?
A standard BOP covers burglary and some theft. For broader employee theft and shoplifting coverage, you'll want a commercial crime endorsement or separate crime policy.
Do I need product liability for items I resell?
Yes. Even if you didn't manufacture the product, you can be held liable as a seller. Product liability coverage protects you from defective product claims.