Online Retailer Insurance

Business Insurance

Furthermore, litigation costs could quickly add up in court proceedings brought by them against your store. The Allen Thomas Group . General liability insurance protects your shop when a competitor alleges you copied their logo or caused irreparable harm to their reputation.

For example, we can help you get an umbrella policy with up to $25 million in additional liability coverage to cover the costs of a covered loss.

Employee dishonesty coverage is included in the BOP offered by The Allen Thomas Group.

An e-commerce retailer without employees or storefront can typically expect their insurance costs to be considerably less than brick-and-mortar retailers with numerous employees, making this coverage essential for retailers.

Online Retailer Insurance - Underwritten

  • Business Insurance
  • Workers' Compensation
  • Retailers
  • Underwritten
  • Liability Lawsuits
  • General Liability
  • Retailers


Business Insurance For Retail Stores

online retailer insurance

retail business insurance broker

S. - physical retail stores as well as online businesses alike - no matter where they're based or how they operate we have you covered! Retail stores require a Business Owner's Policy that protects them against general liability and property, such as building itself and contents within it, stock either on or away from premises and loss of income. That's where we, at The Allen Thomas Group, step in to safeguard your retail enterprise.

Online Retailer Insurance - Retailers

  • Business Insurance
  • Workers' Compensation
  • Retailers
  • Underwritten
  • Liability Lawsuits
  • General Liability
  • Business Insurance
  • Retailers


Without adequate insurance, you're exposing your business to significant financial risks. Extends some property and liability coverage features for periodic overseas business travel.

Business Insurance for Retailers: Securing OperationsRetail business insurance provides retailers with an effective safety net that includes: Employee Protection: Your staff are an asset and providing them with a safe working environment is a top priority. But every good captain knows the value of having an insurance anchor that protects against stormy waters; that is where we at The Allen Thomas Group come in to provide your retail enterprise with protection.

Imagine that an electrical fire breaks out in the back office where you store your company's computer systems, your security camera equipment and your shop's extra inventory. EPL+ helps cover your legal expenses as well as potential settlement damages, up to the coverage limit.

retail business insurance cost

At The Allen Thomas Group, we specialize in creating solutions specifically tailored to meet the specific needs of retail businesses - be they brick-and-mortar stores, boutique shops or an online retail empire.
 If you advertise, your retail business could be susceptible to advertising injury lawsuits. Retailer insurance policies specifically tailored to protect them can offer vital protection from accidents or any unexpected mishaps that might arise in operation.

Retailers know there is no such thing as one size fits all coverage - tailor it specifically to fit your particular business. If these assets are stolen or damaged, your insurance can replace or repair them, minimizing your losses.

A BOP often costs less. Plan for a data breach.

Complete The Allen Thomas Group’s easy online application today. Property and liability coverages come together in this policy to offer comprehensive protection.

retail business insurance cost
retail public liability insurance

retail public liability insurance

The best way to ensure that your insurance coverage addresses your needs is to speak with an agent. Even if it's not required, it's worth considering as a way to help protect you and your employees. Knowing the monetary value of these items beforehand can help an insurance agent tailor coverage to protect the property that's important for your business. Not all businesses can avail themselves of certain coverages/services offered herein and their availability may also depend upon certain state jurisdictions. What factors affect my retail insurance premium?

Talk to an agent or check out our Business Insurance Directory to learn more about the types of businesses we insure. It combines property insurance – to cover damage to buildings and business personal property – with liability insurance to protect you if someone threatens to sue. All coverages are subject to the terms, provisions, exclusions, limits and conditions outlined within your policy and any endorsements. Retail business insurance provides protection from liabilities such as customer injuries, property damage, theft and employee injuries or illnesses.

Employee injuries or inventory damage may arise at any retail business. Convenience stores, pharmacies, vape shops, and other retail stores open their doors to customers every day.

Online Retailer Insurance - Underwritten

  • Business Insurance
  • Workers' Compensation
  • Retailers
  • Underwritten
  • Liability Lawsuits
  • General Liability
  • Workers' Compensation
Retail insurance policies offer you protection for incidents that cause damage to your building, outdoor sign, furniture, equipment and inventory - as well as potentially any property of others stored on your premises. Absolutely, bundling multiple types of retail insurance may often prove cost-efficient; for example combining property and liability policies could provide significant cost-savings opportunities - we can help you select a package tailored to meet your unique requirements.

We also include identity fraud expense reimbursement coverage for employees. Add commercial auto coverage. If the customer decides to sue, this policy can also cover your legal expenses, including the cost of hiring a lawyer. Accident benefits provide financial coverage against employee accidents while driving a company vehicle or engaging in company business at your retail store, and also recover losses from employee theft at your store.

business insurance for retail store

Each piece represents a different aspect of your operation, from your physical store to your employees, inventory, and liabilities.

Online Retailer Insurance - General Liability

  1. Business Insurance
  2. Workers' Compensation
  3. Retailers
  4. Underwritten
It protects your small business from the high costs of lawsuits and helps you qualify for leases and contracts. A retail store needs a Business Owner's Policy that covers general liability and property, including the store, its contents, which includes stock on or away from premises, and loss of income. Your business is unique, and your insurance should reflect that.

That's just what you get from a Retail Business Policy with The Allen Thomas Group. As a retailer, you could be affected by a disaster that strikes your store, your warehouse or a major supplier. It covers accidents, damage, or theft involving your business vehicles.

If you employ full-time or temporary employees during the holiday season, or are required by law to provide them with workers comp coverage, providing it is worth considering as an added layer of protection both for yourself and for them. Consult with an agent, who can help you customize coverage so you can get back to focusing on getting your products into the hands of your customers. The last thing you need is the worry of unexpected disasters or liabilities that could threaten your livelihood.

Increase your protection with best-in-class enhancements to your retail store policy that deliver additional coverage features and higher limits, including sewer backup, losses resulting from damage to a power supply or overhead utility lines, increased limits for Electronic Data Process Data and Media, and spoilage for perishable goods. Employee injuries or damage to inventory can occur at any retail business. Before purchasing an insurance policy, compile an inventory of everything within your business that has monetary value, such as building costs (if applicable).

business insurance for retail store
liability insurance for retail store
liability insurance for retail store

If a customer slips and falls in your store, this coverage can help cover their medical expenses and legal fees, saving you from a costly legal battle. We explore how small to mid-sized companies are vulnerable, what's at stake and ways they can be protected against hacking attacks and data breaches. Your inventory is the lifeblood of your retail business. Several different types of insurance — with policies specifically tailored to the needs of retail businesses — can help protect them from a range of accidents and mishaps.

Workers’ compensation insurance: Workers' comp is required in almost every state for stores that have employees. Retailers need general liability insurance for key exposures such as product liability, premises liability, and personal and advertising injury liability. Liability insurance can be thought of as your “customer insurance.” It can cover your business against accidents that affect customers or other visitors to the store.

You'll have the property and liability protection that you feel is right for you because an agent can help you customize your coverage. It helps cover costs if your retail shop's delivery truck or other vehicle gets into an accident.

Online Retailer Insurance - General Liability

  1. Business Insurance
  2. Workers' Compensation
  3. Retailers
  4. Underwritten
  5. Liability Lawsuits
  6. General Liability
How can I file a claim if something occurs with my retail business?

Working alongside you, they'll craft an insurance policy tailored specifically for your business - providing hands-on support with each policy we create so you're protected in any contingencies that arise. Our reach extends to both physical retail stores and online retail businesses. As a retail business owner, you are constantly juggling multiple responsibilities.

retail business insurance companies

Identity fraud expense reimbursement coverage is included for employees, with optional third-party liability protection in case patrons or suppliers file discrimination claims against your company. If possible, maintain a backed-up digitized file of scanned receipts for items after you purchase or upgrade them. If it can happen to them, then it could happen to yours too. Business Property Insurance: This component covers your equipment for business use, such as cash registers, computers and display units.

Your business is unique and your policy should reflect that.

Online Retailer Insurance - Workers' Compensation

  1. Business Insurance
  2. Workers' Compensation
  3. Retailers
  4. Underwritten
  5. Liability Lawsuits
  6. General Liability
Protect you and your business if one of the products you sell at your retail store causes bodily injury or property damage. Your retail store is the heart and soul of your business, and it's crucial to protect it.

A BOP can cover your premises, from your retail space to your warehouse, as well as the contents, from displays to products. Experienced insurance agents at The Allen Thomas Group are here to listen carefully and meet the individual needs and concerns of your retail business, providing tailored insurance solutions tailored specifically for its risks. Here are a few ways a day in retail business could quickly go off track: Since your retail business is as unique as its products, how can you determine the proper coverage?

Cyber Insurance: As we live and do business online, your business is exposed to online threats. We know the challenges that retailers face, and we have the expertise to craft policies that anticipate and address these challenges effectively. Retail shop owners require specific coverage that reflects their line of work.

retail business insurance companies

Business personal property (BPP) coverage covers equipment, furniture, fixtures, and inventory used or stored within your workspace - such as equipment that belongs to you personally as well as any you rent out or use for rental purposes.

Commercial crime insurance protects businesses against financial losses caused by criminal activities like theft, forgery, embezzlement, and fraud.

Product liability insurance provides protection from legal fees, medical costs, and damages awarded against your product in third-party lawsuits brought forward against it by individuals and/or entities alleging injuries to it as a result of its use, as well as property damages caused by it.

Most establishments need both property and liability coverage. Workers' comp is also typically mandated in most states if you employ staff. Business umbrella insurance provides additional liability protection in case of legal actions brought against the store.

Shoplifting typically isn't covered under commercial insurance policies, while theft may be. As shoplifting usually happens during business hours without anyone realizing what is happening, filing claims for this type of loss can be difficult and time-consuming.

Retail stores can be held liable if they create hazards, know of danger but fail to address it, or fail to take measures necessary to eliminate or mitigate it.

Retail property insurance (or "shop insurance") offers protection from fire, storm damage, theft, vandalism, or vehicle-based (and even airplane!) damage.