Retail Store Insurance
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)
- Employee theft without crime endorsement
- Product recalls (separate product recall coverage)
- Intentional price gouging or deceptive practices
- Flood and earthquake (separate policies)
Frequently asked questions
What insurance does a retail store need?
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.
Related coverage
Get a free quote or call (321) 206-8035.