Retail Business Insurance Quotes

Liability

Our expert retail insurance agents will work closely with you to create a policy that aligns perfectly with your business. The Allen Thomas Group . Our in-house specialists will connect you with a trusted business insurance provider for a personalized retail insurance quote. Would you like to discuss the specific needs of your retail business?

Retail Business Insurance Quotes - Workers' Comp

  1. Liability
  2. Employee Benefits
  3. General Liability
  4. Types of Insurance
  5. AM Best
  6. Liability Insurance
  7. Underwritten
It can help cover lawsuits related to:If you launch an advertising campaign in a magazine, social media, or other medium, it’s important to protect your small business with this policy.

Umbrella insurance provides an additional layer of financial protection over and above the coverage limits of your other liability policies. It offers a comprehensive safety net for retailers, including:Employee Protection: Your staff is your valuable asset, and providing them with a safe working environment is a priority. General liability insurance for retailers usually includes product liability insurance, which protects against customer injuries or other damage caused by a product you sold.

We offer protection for a variety of vehicles and trailers common to retail businesses. Liability insurance can protect your business against accidents that involve customers or visitors to your store, such as injuries from wet floors.

Retail Business Insurance Quotes - Underwritten

  • Liability
  • Employee Benefits
  • General Liability
  • Types of Insurance
  • AM Best
The Allen Thomas Group excels in all these aspects.

As a retail business owner, you're constantly juggling numerous responsibilities. If your wheels power your business, you'll need to add commercial auto coverage. Our experienced insurance agents are here to listen to your unique needs and concerns, offering personalized insurance solutions that cater to your business's specific risks.

The Allen Thomas Group Retail Insurance

commercial insurance for retailers

product liability insurance for online retailers

Prices vary based on how you buy. For example, a customer at your jewelry store might ask you to replace the battery in a watch. Retailers should ensure their policies provide coverage against data breaches, employee dishonesty, employment practices liability and perishable goods as applicable.

BIEE coverage can help replace your income and expenses like rent, payroll, and other financial responsibilities while your property is being repaired or replaced. Nationwide CoverageWhile we're based in Akron, Ohio, we serve retailers throughout the United States.

This traffic increases the chance of someone being injured or their belongings damaged. For frequent overseas travel, or for businesses that have an overseas location, a separate Global CompanionSM policy is available.

Retail Business Insurance Quotes - Theft

  • Liability
  • Employee Benefits
  • General Liability
  • Types of Insurance
  • AM Best
  • Liability Insurance
  • Underwritten
  • Retail Business


Retail store insurance can compensate for this loss, keeping your business afloat even during challenging times. Understanding the value of these items before signing an insurance contract can help your agent tailor coverage specifically to protect what's most valuable to your business.

retailers mutual insurance company

With so many electronic transactions, both online and at point of sale, you have a lot at stake. As with any business, retail businesses possess unique characteristics that require tailoring their insurance to match. Making photos and videos of your entire business location as well as storage spaces is another effective way to document items it owns. For instance, if your vape pen accidentally cause injury to customers, general liability coverage could cover their medical bills as well as legal costs should they sue.

Retail Business Insurance Quotes - Retail Business

  1. Liability
  2. Employee Benefits
  3. General Liability
  4. Types of Insurance
  5. AM Best
  6. Liability Insurance


Yes, you can often bundle different types of retail insurance to save on costs. If the person files a lawsuit, costs can add up quickly. It's our business to keep you in business!

While retail business insurance isn't mandatory in the same way auto insurance is, it's highly recommended. Most retail businesses pay a median of less than $45 per month for general liability insurance, but you could pay more or less depending on your risks. Commercial umbrella insurance: Similar to excess liability insurance, this policy boosts coverage on a retailer’s general liability, commercial auto, and employer’s liability insurance once the limit is reached.

We offer insurance by phone, online and through independent agents. Liquor liability insurance: If your shop sells alcohol, liquor liability coverage will likely be essential in meeting state dram shop laws and protecting against lawsuits. Commercial property insurance provides essential protection.

retailers mutual insurance company
commercial retail insurance

commercial retail insurance

If you have employees, or even temporary workers you bring on during holiday season, you may be required to provide workers compensation coverage. Also keep a digital file of receipts after each item purchase or upgrade is completed. Competitive RatesCost can be an important consideration when purchasing insurance, which is why our retail solutions offer comprehensive protection at highly competitive prices. As convenience stores, pharmacies, vape shops and other retail establishments regularly open their doors to customers, increased traffic increases the risk of someone becoming injured or having their belongings damaged.

Retail stores eligible for Business Obligation Policies typically: In case a customer or delivery person is injured at your retail store due to an accident - for example slipping and falling - this may leave them liable for medical bills that arise as a result. Your products are the star of the show, and your focus on customers keeps you busy every day.

Retail Business Insurance Quotes - Types of Insurance

  1. Liability
  2. Employee Benefits
  3. General Liability
  4. Types of Insurance
  5. AM Best
Imagine your retail business as an intricate jigsaw puzzle: each piece represents different facets of its operation - from your physical store, employees and inventory to liabilities and liabilities coverage.

A BOP will protect the things essential to running and expanding your retail operation and making sales. The last thing you need is additional stress from disasters or liabilities that could threaten your livelihood - retail business insurance from The Allen Thomas Group can give you peace of mind so you can focus on providing customers with excellent services while expanding your company. It's our business to help keep you in business.

To get an accurate premium estimation it is wise to speak to one of our experienced agents directly. An umbrella policy might also be beneficial in cases of multiple forms of liability exposure such as retailers who face multiple forms of risk exposure. Many landlords also require proof of insurance before renting commercial space.

retail commercial insurance

The Allen Thomas Group specializes in tailoring insurance solutions to meet the specific needs of retail businesses, whether you run a brick-and-mortar store, a boutique shop, or an online retail empire. This policy add-on can cover loss of income or an increase in expenses that results from covered damage to another organization that your company depends on for supplies or services.

Retail stores that are eligible for a BOP usually:If a customer or delivery person is injured by an accident at your retail store, such as slipping in a spill, you could be held responsible for the resulting medical bills.

Retail Business Insurance Quotes - Retail Business

  1. Liability
  2. Employee Benefits
  3. General Liability
  4. Types of Insurance
  5. AM Best
  6. Liability Insurance


Auto Insurance: If your retail business relies on vehicles for deliveries or transportation, commercial auto insurance is a must.

You'll want to make sure your BOP covers goods that are off premises as well, including goods in transit and merchandise being shipped to customers.

retail commercial insurance
retail inventory insurance
retail inventory insurance

Employing employees can save the day, yet also expose you to claims of unfair employment practices. If your business owns vehicles, a commercial auto insurance policy can provide valuable financial protection to you and your employees while driving a company-owned vehicle. Secure both your building and contents against loss due to fire, burst water pipes or any other incident at your business.

Retail Business Insurance Quotes - Employee Benefits

  1. Liability
  2. Employee Benefits
  3. General Liability
  4. Types of Insurance
  5. AM Best
  6. Liability Insurance
Commercial umbrella insurance: Similar to excess liability policies, commercial umbrella policies extend coverage on a retailer's general liability, commercial auto, and employer's liability policies once their limits have been reached. Retailers know there's no such thing as one size fits all, so coverage should be tailored to fit your specific business.

A BOP typically covers:When you own a retail business, your property is priceless. Our team can help you find an umbrella policy with up to $25 million of liability protection coverage to cover losses caused by covered events. For example, combining property insurance and liability insurance can be cost-effective. You can trust us to guide you through the complexities of retail business insurance.

Retail Business Insurance Quotes - Retail Business

  • Liability
  • Employee Benefits
  • General Liability
  • Types of Insurance
  • AM Best


This type of coverage is also customizable. Business income insurance is your “ride-out-the-storm insurance.” It works with your property insurance to reimburse income lost during a covered event like fire, wind, hail, or vandalism. A variety of factors can have an effect on your premium estimate, including factors like location, type and amount of coverage needed, claims history, size of business etc. Protect Your Employees With Workers Comp.

With a nationwide reach, competitive rates, and a commitment to your success, The Allen Thomas Group is your ideal partner in securing the future of your retail business. As you shop for insurance policies, consider these three areas. Enhance the protection of your retail store with premium enhancements that provide additional coverage features and limits, such as sewer backup coverage, losses resulting from power supply or utility lines being damaged, increased limits for Electronic Data Process Data Media storage capacity and spoilage of perishable goods. Protect your business when your employees, products or services cause harm to other people or their property.

small business insurance online retail

Should any be stolen or damaged beyond repair, insurance can help replace or repair them quickly to reduce losses and minimize downtime. Commercial Auto Insurance: For businesses that rely on vehicles for deliveries or transportation purposes, commercial auto insurance is essential. It covers medical costs for work-related injuries. If, for example, a customer slips and falls on a wet floor in your store and is injured, liability insurance could cover medical costs, legal fees and damages for which you are legally responsible. Cyber Liability insurance: Cyber liability policies can protect retailers who handle credit cards online or conduct their business online from losses associated with customer transactions or data breach.

Covered expenses include customer notification (often mandatory), penalties and chargebacks from credit card companies, court-awarded judgments and more. A commercial auto insurance policy is typically needed if you have a business vehicle, such as a delivery van. Commercial auto insurance: State laws typically mandate this coverage for businesses-owned vehicles, helping cover any unexpected costs should your delivery truck or other vehicle become involved in an accident.

Retail Business Insurance Quotes - AM Best

  1. Liability
  2. Employee Benefits
  3. General Liability
  4. Types of Insurance
  5. AM Best
For example, we ca help get you coverage during periodic overseas travel.

For example, if a vape pen explodes and injures a customer, your general liability insurance can cover the customer’s medical bills – or legal fees if the customer sues. Are you prepared to safeguard your retail store with general liability insurance coverage? All coverages are subject to the terms, provisions, exclusions, limits and conditions in the policy itself and in any endorsements. At The Allen Thomas Group Insurance Agency we have a team of licensed commercial auto agents ready to insure your work vehicles.

Bonus: Third-party liability coverage is optional in case a patron or supplier files a discrimination claim. Cover yourself around the world. At The Allen Thomas Group, we understand that no two retail business insurance policies should be treated alike. An agent might suggest employment-related practices insurance to cover your company in the event of a wrongful termination lawsuit, or liquor liability insurance that can protect your company against claims resulting from alcohol being served at your business.

Types of Insurance
small business insurance online retail

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.