Recommended Insurance for Retailers

Property coverage for your stock and display equipment, computer and point-of-sale equipment, glass, and signs, along with equipment breakdown, business interruption (profits form), and crime coverage—including employee dishonesty, burglary, robbery, funds transfer, and credit card forgery—form the foundation of any retail insurance package. Additionally, commercial general liability, including products and advertising liability and cyber loss expense coverage, is essential for comprehensive protection.

Specialized Coverage for Retailers

Most retail risks should also include Extended Cyber coverage, including cyber liability coverage. Depending on the location, sewer backup, flood, and/or earthquake coverage should also be considered. Extensions of property and liability coverage for stock in warehouses or storage facilities can also be added, along with coverage for stock in transit.