Retail Business Insurance
Coverage for brick-and-mortar retail stores.
Typical cost: $800 – $3,500 per year
Retail Business Insurance
Retail business insurance covers stores selling products to consumers. Coverage must address inventory, customer foot traffic, employee theft, and products liability—risks particularly relevant to retail operations.
Inventory Coverage
Retail inventory can represent significant value that fluctuates seasonally. Ensure your policy covers peak inventory levels or has provisions for seasonal adjustments. Spoilage coverage matters for perishable goods.
What's covered
Inventory Coverage
Covers merchandise and stock at replacement cost.
Customer Liability
Covers slip-and-fall injuries and other customer claims.
Product Liability
Covers claims from products you sell.
Employee Theft
Covers theft by employees—a significant retail risk.
Business Interruption
Covers lost sales if you must close for repairs.
Tips
- • Cover inventory at peak seasonal levels
- • Employee dishonesty coverage important for retail
- • Product liability included for items you sell
- • Consider crime coverage for robberies and break-ins
- • Review coverage as you add new product lines
Other business owners policy (bop) types
Small Business Insurance
Tailored coverage for businesses with fewer than 100 employees.
Startup Insurance
Essential coverage for new and emerging businesses.
Franchise Insurance
Coverage designed for franchise owners and operators.
Home-Based Business Insurance
Protection for businesses operated from home.
Restaurant Insurance
Specialized coverage for food service businesses.
Construction Business Insurance
Comprehensive coverage for contractors and builders.
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