Retail
Comprehensive coverage for storefronts, inventory, customer liability, and business interruption protection.
Understanding Your Risk Profile
Retail businesses face exposures including customer injuries, inventory loss, theft, and property damage. Your operations require comprehensive coverage protecting your storefront, merchandise, and customers while maintaining business continuity.
Key Risk Exposures
Common risks and challenges facing businesses in this industry
Customer Injuries
Slip and fall accidents, falling merchandise, and other customer injuries on your premises create liability exposure.
Inventory Loss
Theft, damage, spoilage, or obsolescence of merchandise can significantly impact profitability.
Shoplifting & Theft
Employee theft, shoplifting, and organized retail crime result in significant inventory losses.
Product Liability
Defective products sold in your store can result in injury claims and recalls.
Property Damage
Fire, water damage, vandalism, or natural disasters can destroy your storefront and inventory.
Business Interruption
Forced closures from covered property damage or disasters can devastate cash flow during peak seasons.
Recommended Coverage Solutions
Essential insurance coverages tailored for your industry
Commercial Property
Protects your storefront, fixtures, equipment, and inventory from damage and theft.
Learn MoreWorkers Compensation
Required coverage protecting retail employees from workplace injuries.
Learn MoreCommercial Auto
Covers delivery vehicles and company cars used for retail business operations.
Learn MoreProfessional Liability
Protects against errors in consulting, design services, or professional advice.
Learn MoreCommon Claims & Exposures
Understanding what can go wrong helps you prepare better
Customer Slip and Falls
Very CommonInjuries from wet floors, cluttered aisles, or uneven surfaces in retail spaces.
Inventory Theft
Very CommonShoplifting, employee theft, or organized retail crime resulting in merchandise losses.
Product Liability Claims
OccasionalCustomers injured by defective products purchased from your store.
Property Damage
CommonFire, water damage, or vandalism affecting your storefront and inventory.
Employee Injuries
CommonLifting injuries, repetitive motion issues, and accidents during stocking or operations.
Business Interruption
OccasionalLost income during closures from covered property damage or disasters.
Frequently Asked Questions
Common questions about insurance for retail businesses
Download Your Industry Guide
Get a comprehensive PDF guide with coverage recommendations, risk management tips, and industry-specific insights.
Related Articles & Insights
Learn more about protecting your business
The Complete Guide to Commercial Property Insurance
Understanding what commercial property insurance covers for retail stores.
General Liability vs Professional Liability
Clear up the confusion between these two essential coverage types.
How to File a Commercial Property Claim
Navigate the claims process smoothly with this detailed walkthrough.
Ready to Protect Your Business?
Let's discuss your specific coverage needs and build a customized insurance program for your business.