Retail Insurance
Retailers face numerous risks, from loss or damage to their stock and display equipment to liability for slip-and-fall incidents. If you lease your retail space, you will likely need to provide proof of liability coverage to your landlord, who may also require you to insure the building’s glass, signs, and other features.
Online retailing has become essential for businesses of all sizes, introducing various new cyber risks. A retailer’s package, customized by one of our commercial experts, can help ensure you have the necessary coverage in the event of a loss, allowing you to recover and resume operations as quickly as possible.
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.
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