Retail Liability Insurance

General Liability Policies

Every business is exposed to different types of risk, so costs vary from business to business. General liability coverage provides your small business with protection from common risks such as customer injuries, property damages and advertising injuries, protecting them against high legal costs while helping qualify for leases and contracts.

Retail Liability Insurance - Liability

  • General Liability Policies
  • Employee Benefits
  • Workers' Comp
  • Liability
  • Commercial Auto Insurance


You can get retail insurance through The Allen Thomas Group.

As with any business venture, advertising campaigns may lead to lawsuits; therefore it's vital that your small business protects itself with this policy before beginning an advertising campaign in magazines, social media platforms or any other medium.

As either a business owner or employee, there are a variety of preventive steps you can take to keep your data safe. The Allen Thomas Group .

business insurance for convenience stores

clothing retailer insurance

Protect your employees with Workers Comp. Retail Cyber Insurance for small business is essential to protect against failure and ensure unauthorized access or use of customer identity data. EPL+ defends your business in the event of a claim alleging a wrongful employment practice, such as discrimination or wrongful termination.

When a system is hacked or compromised, you risk costly chargebacks, or reputational damage and loss of sales. Building coverage protects damage to buildings and personal property while liability coverage guards against possible lawsuits from third-parties.

Insurance doesn't need to be complicated - here you'll find easy explanations for coverages, pricing and more! Coverage and/or services may not be available for all businesses and vary in some states.

Retail Liability Insurance - General Liability Policies

  • General Liability Policies
  • Employee Benefits
  • Workers' Comp
  • Liability


This type of insurance includes:Inventory Protection: In the unfortunate event of theft, fire, or other covered perils, retail shop insurance helps you recover the value of lost or damaged inventory, allowing you to restock your shelves. This coverage can replace lost wages, pay for medical treatment and protect your business and its assets if an employee suffers a serious injury at your retail store.

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With this coverage, lost wages may be replaced, medical treatment paid for and business assets can be safeguarded in case an employee sustains serious injuries at your retail store. General Liability Your products-completed operations coverage likely includes this policy to protect you against lawsuits alleging defective products and workmanship issues, while advertising injury lawsuits could become an added risk for retailers that engage in advertising campaigns. Liability If you run a small retail shop, you may be able to bundle general liability insurance with commercial property insurance in a business owner’s policy.

Before you purchase a policy, make a list of everything inside your business that has monetary value, including the cost of the building, if you own it. A BOP often costs less than purchasing each policy separately.

Retail Liability Insurance - General Liability

  1. General Liability Policies
  2. Employee Benefits
  3. Workers' Comp
  4. Liability
  5. Commercial Auto Insurance
  6. Insurer
  7. Premiums
  8. Liability


This helps your adjuster assign value to what needs replacing. Retailers usually acquire general liability and product liability policies to protect themselves against customer injuries caused by products sold.

Protect those who work for you. Retail business insurance protects you against liabilities like customer mishaps, property damage, theft and employee injuries and illnesses.

Retail Business Insurance Broker

online sellers insurance
retail liquor liability insurance

retail liquor liability insurance

When your insurance company is preparing to reimburse you for the damage to these items, it's important to have detailed records outlining everything you've purchased and how much you paid. It can even be customized according to individual needs. As part of The Allen Thomas Group's business insurance package, you will gain access to comprehensive loss control tools and resources, including our Loss Control Services team which will review operations, procedures, and programs within your operations.

In this article, we'll delve into the world of retail business insurance, exploring the ins and outs of securing your store, shop, or online retail business. Every program for retailers starts with our core BOP (Business Owner's Policy).

General liability coverage helps shield your business from covered claims and lawsuits that stem from your everyday business operations.

Retail Liability Insurance - Employee Benefits

  • General Liability Policies
  • Employee Benefits
  • Workers' Comp
  • Liability
  • Commercial Auto Insurance
Our retail insurance solutions are not only comprehensive but also competitively priced.

Even retail giants fall victim to cybercriminals intent on accessing customers' personal data. If you run a small retail shop, you may be able to bundle general liability insurance with commercial property insurance in a business owner’s policy.

retail property and casualty insurance

As a retail shop owner, it may be important to have coverage when traveling overseas for either business purposes or personal travel purposes. This coverage can replace lost net income or pay for ongoing expenses, including payroll or the mortgage, and for relocation expenses if necessary.

Imagine this: An electrical fire breaks out in your back office where all of your company's computer systems, security camera equipment, and extra inventory is kept.

Start with the basics and take inventory of your needs.

Be it occasional employees traveling off-site for meetings or a fleet of drivers transporting products daily, protect your business on the road from liability risks should an employee file an employment practices complaint against you.

Retail Liability Insurance - Workers' Comp

  • General Liability Policies
  • Employee Benefits
  • Workers' Comp
  • Liability


retail property and casualty insurance
retail protection insurance
retail protection insurance

Small Business Retail Cyber Insurance is critical to defend against failure and to prevent unauthorized access to, or use of, customer identity information. Employment Practices Liability+ (EPL+) covers you against claims alleging discrimination or wrongful termination as part of its coverage. You can customize liability coverage to fit unique aspects of your business by purchasing additional umbrella policies. Our goal is to assist in your journey through this maze by answering questions about The Allen Thomas Group as your insurance partner and showing why choosing us as such an informed choice can only bring positive outcomes.

Are you ready to safeguard your retail store with general liability insurance? BIEE coverage can provide essential financial protection during repairs or replacement of property. Umbrella insurance provides additional financial protection that goes beyond the limits of your other liability policies.

It covers accidents, damages or theft that might happen with your vehicles and provides essential coverage in case something happens to them.

Retail Liability Insurance - Commercial Auto Insurance

  • General Liability Policies
  • Employee Benefits
  • Workers' Comp
  • Liability
Insurance doesn’t have to be complicated. A BOP typically covers your assets such as: A BOP should protect both your physical premises (retail space or warehouse) as well as any contents on them, from displays to products.

From florists to furniture stores, many retailers rely on a vehicle or small fleet to get their products to customers. Retail business insurance from The Allen Thomas Group offers you peace of mind, allowing you to focus on what you do best - serving your customers and growing your business. As an employer, protecting yourself is just as essential: running the business alone won't do.

retail business 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.

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

Retail Liability Insurance - Commercial Auto Insurance

  1. General Liability Policies
  2. Employee Benefits
  3. Workers' Comp
  4. Liability
  5. Commercial Auto Insurance
  6. Insurer


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 business insurance

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.