Commercial Insurance For Retailers

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. Accidents involving customer property may arise at any small retail business. We offer protection for a variety of vehicles and trailers common to retail businesses. An e-commerce retailer without employees or storefront can typically expect their insurance costs to be considerably less than brick-and-mortar retailers with numerous employees, making this coverage essential for retailers. Knowing the monetary value of these items beforehand can help an insurance agent tailor coverage to protect the property that's important for your business.
 Knowing the monetary value of these items beforehand can help an insurance agent tailor coverage to protect the property that's important for your business.


Add on coverage to fit your business risks. Your retail store is the heart and soul of your business, and it's crucial to protect it. 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. The last thing you need is the worry of unexpected disasters or liabilities that could threaten your livelihood. The last thing you need is the worry of unexpected disasters or liabilities that could threaten your livelihood.

When selecting an insurance provider, consider their experience, customer reviews, the range of services they offer, and their willingness to provide a customized policy. With so many electronic transactions, both online and at point of sale, you have a lot at stake. 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. Retail business insurance acts like glue to hold all these parts together so if one falls off suddenly your enterprise won't collapse into pieces.
 Retail business insurance acts like glue to hold all these parts together so if one falls off suddenly your enterprise won't collapse into pieces.


Retailers require general liability coverage to safeguard themselves against key exposures such as product liability, premises liability and personal/advertising injury claims that may arise during daily operations. While any small business needs to plan for the unexpected burst pipe, fire or lightning storm, retail businesses also face other risks, from data breaches to derailed shipments. Commercial property insurance is your “shop insurance.” It can protect your physical shop and contents against unforeseen losses tied to fire, storm damage, theft, vandalism, or damage from vehicles – and even airplanes, depending on the policy. Your products are the star of the show, and your focus on customers keeps you busy every day. Your products are the star of the show, and your focus on customers keeps you busy every day.

Competitive RatesWe understand that cost is a significant factor when choosing insurance. While general liability covers many common risks, it does not offer complete protection. Which factors affect my retail insurance premium? Protect you and your business if one of the products you sell at your retail store causes bodily injury or property damage. Protect you and your business if one of the products you sell at your retail store causes bodily injury or property damage.

If it can happen to them, it may happen to your business. Retail business insurance is the glue that holds these pieces together, ensuring that even if one piece goes missing, your entire enterprise doesn't crumble. For example, we ca help get you coverage during periodic overseas travel.
 Retail business insurance protects you against liabilities like customer mishaps, property damage, theft and employee injuries and illnesses. Retail business insurance protects you against liabilities like customer mishaps, property damage, theft and employee injuries and illnesses.

Commercial auto insurance: State laws usually require this coverage for business-owned vehicles. To make sure your insurance meets all of your needs, the best way is to consult an agent. To make sure your insurance meets all of your needs, the best way is to consult an agent.

General liability coverage offers protection when customer property is damaged, such as when someone in your jewelry store asks you to change out a battery in a watch they bought from them. General liability coverage offers protection when customer property is damaged, such as when someone in your jewelry store asks you to change out a battery in a watch they bought from them.

Business income insurance provides your "ride-through-the-storm insurance." Business income insurance provides your "ride-through-the-storm insurance."

Retailer insurance policies specifically tailored to protect them can offer vital protection from accidents or any unexpected mishaps that might arise in operation. Retailer insurance policies specifically tailored to protect them can offer vital protection from accidents or any unexpected mishaps that might arise in operation.

In the event of a claim, simply reach out to our team, and we will guide you through the process. In the event of a claim, simply reach out to our team, and we will guide you through the process.

Depending on the policy, those incidents might include weather-related damage, malfunctions in utilities, theft, vandalism and other manmade problems. Depending on the policy, those incidents might include weather-related damage, malfunctions in utilities, theft, vandalism and other manmade problems.

Let a local agent from The Allen Thomas Group assist in tailoring a plan that best meets the needs of your business - such as Business Policy, Commercial Auto, Workers' Compensation, business life and retirement plans. Your business is unique, and your insurance should reflect that. Cyber criminals are constantly on the lookout for any possible weakness on your website - like an outdated e-commerce feature - which they can exploit to steal customer identity data and cause harm to your bottom line. Our expert retail insurance agents will work closely with you to create a policy that aligns perfectly with your business. Our expert retail insurance agents will work closely with you to create a policy that aligns perfectly with your business.

As a retail shop owner, it may be important to have coverage when traveling overseas for either business purposes or personal travel purposes. Extensive ExperienceWith years of experience in the insurance industry, we've seen it all. Protect yourself as an employer. Protect yourself as an employer.

An agent will help customize it for you! Covered expenses include customer notification (often mandatory), penalties and chargebacks imposed by credit card companies, court-awarded judgments and more.
 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. 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.

A BOP typically covers:When you own a retail business, your property is priceless. Retailers need general liability insurance for key exposures such as product liability, premises liability, and personal and advertising injury liability. Protect your business when your employees, products or services cause harm to other people or their property. Protect your business when your employees, products or services cause harm to other people or their property.

The best way to get an accurate premium estimate is to consult with our experienced agents. General liability policies provide essential protection from these potential claims or lawsuits that arise as part of conducting their businesses. This type of coverage is also customizable. This type of coverage is also customizable.

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. How can I make a claim if something happens to my retail business? When a system is hacked or compromised, you risk costly chargebacks, or reputational damage and loss of sales. When a system is hacked or compromised, you risk costly chargebacks, or reputational damage and loss of sales.

Taking photos and videos of your entire place of business and any ancillary areas, like storage, is another helpful way to document items your business owns. Simply reach out to our team, and they will guide you through the claims process, providing assistance in filling out all required paperwork while supporting and providing assistance throughout - for an effortless claims experience. Simply reach out to our team, and they will guide you through the claims process, providing assistance in filling out all required paperwork while supporting and providing assistance throughout - for an effortless claims experience.

Cover losses that occur due to covered losses at your business causing temporary disruption in work operations or even temporary office closure. Cover losses that occur due to covered losses at your business causing temporary disruption in work operations or even temporary office closure.

If it can happen to them, then it could happen to yours too. If it can happen to them, then it could happen to yours too.