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Common Coverage Types for Retailers

Burglary and Theft Insurance

This type of coverage protects against loss from theft or burglary. It may cover the cost of repairing or replacing damaged property, as well as the cost of lost inventory.

Fire Insurance

Fire insurance provides protection in the event of a fire that damages the property or contents of a retail business.

Business Interruption Insurance

This type of coverage can help cover the cost of lost income if a business is forced to close due to damage from a covered event, such as a fire.

Liability Insurance

Business liability insurance protects from claims or lawsuits that may arise from injuries or damage caused by the business. This type of coverage may be required by the landlord or lessor.

Commercial Umbrella Insurance

Commercial umbrella insurance provides additional liability coverage above the limits of a business's other liability policies. This type of coverage can help protect against catastrophic losses.

Workers' Compensation Insurance

This type of coverage is required in most states if a business has employees. It can help cover the cost of medical treatment and lost wages for employees who are injured on the job.

Business Owner's Policy

A business owner's policy (BOP) is a package of insurance coverage that can help protect a business from common risks, such as fire, theft and liability. A BOP may be right for a small business that does not need the specialized coverage provided by separate policies.

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Coverage Limits

It is important to make sure that the policy limits are high enough to cover the value of the property and contents, since most retail insurance policies have limits on the amount of coverage they provide.

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Retail insurance policies have a deductible, which is the amount the business must pay before the insurance company will pay a claim. The higher the deductible, the lower the premium.

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Workers Compensation

Workers’ compensation can help cover medical costs and even provide employee wages for time missed from work and is an important thing to have as a business owner. Learn more about workers’ compensation insurance coverage options.

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General Liability

Accidents happen and if they happen on your property or as the result of work that you have done, you could be liable for damages. Learn more about general liability insurance options.

Explore General Liability

Business Auto

If a company vehicle is involved in an accident, your business will only be protected with the right commercial auto insurance coverage. Learn more about business auto insurance.

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