Retail puts customers and inventory under one roof, which means premises liability and property protection are central. Whether you run a boutique on the square, a specialty shop, or a multi-location store, we cover slip-and-falls, theft, inventory loss, and the business income you’d lose if a fire or storm closed you down — usually bundled into a cost-saving Business Owner’s Policy.
Risks retail businesses face
- Customer injuries inside the store
- Theft, burglary, and shoplifting losses
- Inventory damaged by fire, water, or storms
- Lost income while closed after a covered loss
- Product liability on what you sell
Coverage we recommend
General Liability Insurance
The foundation of business protection — covering third-party injury, property damage, and the claims that come with doing business.
Learn more →Commercial Property Insurance
Protect the building, equipment, inventory, and tools your business runs on — from fire, theft, storms, and more.
Learn more →Commercial Umbrella Insurance
Extra liability protection that kicks in when a big claim exceeds your other policies’ limits.
Learn more →Protecting your space, your stock, and your customers
A retail claim usually starts in one of two places: a customer who’s hurt in your store, or inventory lost to theft, fire, or water. We bundle those exposures — premises liability and property — into a cost-effective Business Owner’s Policy for most shops, and extend coverage to inventory in transit or at pop-ups and markets if you sell beyond your four walls. As you grow to more locations, your coverage scales with you.
Every retail business is different. Tell us how yours runs and we’ll shop 15+ carriers for the right coverage. Request a free quote or call 830-387-4032.