Best Retail Business Insurance

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. General liability insurance can help pay for: Note that this policy does not cover employee injuries. Loss of Income Coverage: Should an emergency strike and require repairs at your store, income can be lost during downtime. Loss of Income Coverage: Should an emergency strike and require repairs at your store, income can be lost during downtime.

General liability insurance covers common business risks like customer injury, customer property damage, and advertising injury. Our reach extends to both physical retail stores and online retail businesses. Our reach extends to both physical retail stores and online retail businesses.

Hacked systems can lead to costly chargebacks as well as irreparable reputational damage that prevents future sales. As a retailer, you need to shield your business from theft of money, property or inventory by employees. As a retailer, you need to shield your business from theft of money, property or inventory by employees.

Cover yourself around the world. Retailers make big investments in time and money in their businesses. 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. Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism - keeping you running with confidence! Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism - keeping you running with confidence!

Cover losses that occur when work is interrupted or your office is closed temporarily due to a covered loss at your business.
 It helps cover the cost of a data breach or cyberattack. Let a local agent from The Allen Thomas Group help you customize a plan for your business that can include a Business Policy, Commercial Auto, Workers' Compensation, business life, and retirement plans.
 Let a local agent from The Allen Thomas Group help you customize a plan for your business that can include a Business Policy, Commercial Auto, Workers' Compensation, business life, and retirement plans.


Storeowners who’ve experienced problems like these could tell you how important it is to have the right coverage with adequate limits.
 Umbrella insurance provides an additional layer of financial protection over and above the coverage limits of your other liability policies. But every good captain knows the importance of a sturdy insurance anchor to weather the storm. But every good captain knows the importance of a sturdy insurance anchor to weather the storm.

The Allen Thomas Group excels in all these aspects. Start with the basics and assess your needs to decide what coverage to acquire. Start with the basics and assess your needs to decide what coverage to acquire.

Employee injuries or damage to inventory can occur at any retail business. Employee injuries or damage to inventory can occur at any retail business.

All coverages are subject to the terms, provisions, exclusions, limits and conditions in the policy itself and in any endorsements. All coverages are subject to the terms, provisions, exclusions, limits and conditions in the policy itself and in any endorsements.

Typically, this aspect of retail insurance policies reimburses you for covered events that cause damage to your building, outdoor sign, furniture, equipment, inventory, and potentially property of others that you keep on your premises. Anticipate data breaches by planning ahead. 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. 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. 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.

An agent could suggest purchasing employment-related practices insurance to protect against potential lawsuits regarding wrongful termination lawsuits, as well as liquor liability coverage that protects against claims associated with alcohol being served at your business. This is an essential coverage for retailers. Experience for Retail Business InsuranceWith years of experience in the insurance industry, we know exactly how retailers experience challenges; and have the know-how to craft policies to anticipate and address them effectively. Experience for Retail Business InsuranceWith years of experience in the insurance industry, we know exactly how retailers experience challenges; and have the know-how to craft policies to anticipate and address them effectively.

Bonus: Third-party liability coverage is optional in case a patron or supplier files a discrimination claim.
 Secure both your building and contents against loss due to fire, burst water pipes or any other incident at your business. We provide insurance by phone, online and independent agents alike. We provide insurance by phone, online and independent agents alike.

We know the challenges that retailers face, and we have the expertise to craft policies that anticipate and address these challenges effectively. For example, a customer at your jewelry store might ask you to replace the battery in a watch. The best way to ensure that your insurance coverage addresses your needs is to speak with an agent. The best way to ensure that your insurance coverage addresses your needs is to speak with an agent.

Many landlords also require proof of insurance before renting commercial space. 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. Here are a few tips to help you select the appropriate coverage for your retail business: Consider purchasing a Business Owner's Policy (BOP). Here are a few tips to help you select the appropriate coverage for your retail business: Consider purchasing a Business Owner's Policy (BOP).

You can get retail insurance through The Allen Thomas Group. An umbrella liability insurance policy will offer an extra layer of protection when other liability coverages stop. As a retail business owner, you're constantly juggling numerous responsibilities. As a retail business owner, you're constantly juggling numerous responsibilities.