Liability Insurance For Retail Store

It's our business to keep you in business! You can customize liability coverage to fit unique aspects of your business by purchasing additional umbrella policies. Increase your protection with best-in-class enhancements to your retail store policy that deliver additional coverage features and higher limits, including sewer backup, losses resulting from damage to a power supply or overhead utility lines, increased limits for Electronic Data Process Data and Media, and spoilage for perishable goods.
 We also have a team of licensed commercial auto agents who can insure your work vehicles. Employing employees can save the day, yet also expose you to claims of unfair employment practices. Employing employees can save the day, yet also expose you to claims of unfair employment practices.

With a nationwide reach, competitive rates, and a commitment to your success, The Allen Thomas Group is your ideal partner in securing the future of your retail business. You can't run the business, answer the phones and ring up the purchases by yourself. This is only a general description of coverages of the available types of insurance and is not a statement of contract. When you're ready to purchase retail insurance, speak to an agent from The Allen Thomas Group about available coverage options. When you're ready to purchase retail insurance, speak to an agent from The Allen Thomas Group about available coverage options.

Small Business helps protect your bottom line from the costs of failing to prevent unauthorized access to, or use of, customer identity information. This coverage can replace lost net income or pay for ongoing expenses, including payroll or the mortgage, and for relocation expenses if necessary. Once you find the right policy, you can begin coverage in less than 24 hours. At The Allen Thomas Group Group Insurance Services, we provide protection for a range of vehicles and trailers commonly found within retail businesses. At The Allen Thomas Group Group Insurance Services, we provide protection for a range of vehicles and trailers commonly found within retail businesses.

While retail business insurance isn't mandatory in the same way auto insurance is, it's highly recommended. Loss of Income Coverage: When disasters strike, and your store needs repairs, you may lose income during the downtime. Here are a few ways a day in retail business could quickly go off track: Since your retail business is as unique as its products, how can you determine the proper coverage? Here are a few ways a day in retail business could quickly go off track: Since your retail business is as unique as its products, how can you determine the proper coverage?

This helps your adjuster assign value to what needs replacing.
 Workers' Compensation insurance: In most states, workers' comp is mandatory for businesses that employ staff. Workers' Compensation insurance: In most states, workers' comp is mandatory for businesses that employ staff.

Speak to your agent about obtaining sufficient coverage. For instance, if your vape pen accidentally cause injury to customers, general liability coverage could cover their medical bills as well as legal costs should they sue. For instance, if your vape pen accidentally cause injury to customers, general liability coverage could cover their medical bills as well as legal costs should they sue.

That's just what you get from a Retail Business Policy with The Allen Thomas Group. EPL+ helps cover your legal expenses as well as potential settlement damages, up to the coverage limit. EPL+ helps cover your legal expenses as well as potential settlement damages, up to the coverage limit.

Each piece represents a different aspect of your operation, from your physical store to your employees, inventory, and liabilities. Helps pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own while on company time at your retail store. Helps pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own while on company time at your retail store.

Work with your agent to find the right amount of coverage for your business. Protect your business from liability risks if an employee should claim wrongful employment practices. Protect you and your business if one of the products sold at your retail store causes bodily injury or property damage, with an umbrella liability policy providing additional layers of coverage when other policies cease providing cover. Building coverage protects damage to buildings and personal property while liability coverage guards against possible lawsuits from third-parties. Retail shop insurance ensures that your merchandise is safeguarded. Retail shop insurance ensures that your merchandise is safeguarded.

It protects your small business from the high costs of lawsuits and helps you qualify for leases and contracts. A BOP often costs less than purchasing each policy separately. General Liability Insurance can assist in covering: Although general liability doesn't cover employee injuries, workers' comp insurance should cover these. Absolutely, bundling multiple types of retail insurance may often prove cost-efficient; for example combining property and liability policies could provide significant cost-savings opportunities - we can help you select a package tailored to meet your unique requirements. Absolutely, bundling multiple types of retail insurance may often prove cost-efficient; for example combining property and liability policies could provide significant cost-savings opportunities - we can help you select a package tailored to meet your unique requirements.

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. 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.
 If the person files a lawsuit, costs can add up quickly. 
 When filing claims with your insurance company for damage to items purchased and paid for through purchases and payments, having records outlining what has been purchased helps your adjuster assign value to what needs replacing. When filing claims with your insurance company for damage to items purchased and paid for through purchases and payments, having records outlining what has been purchased helps your adjuster assign value to what needs replacing.

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. Every business is exposed to different types of risk, so costs vary from business to business. Our team of experts can help you get customized coverage for your business. To get an accurate premium estimation it is wise to speak to one of our experienced agents directly.
 To get an accurate premium estimation it is wise to speak to one of our experienced agents directly.


Nationwide CoverageWhile we're based in Akron, Ohio, we serve retailers throughout the United States. We also include identity fraud expense reimbursement coverage for employees. One example of this coverage, Employment Practices Liability+ (EPL+), defends you from claims alleging wrongful employment practices, such as discrimination or wrongful termination. Cyber insurance protects you from losses resulting from data breaches, ensuring your customers' sensitive information is safe.
 Cyber insurance protects you from losses resulting from data breaches, ensuring your customers' sensitive information is safe.


It covers medical costs for work-related injuries. Before purchasing an insurance policy, compile an inventory of everything within your business that has monetary value, such as building costs (if applicable). Even retail giants fall victim to cybercriminals intent on accessing customers' personal data. Just like a puzzle, your retail business has unique characteristics that require a customized approach to insurance. Just like a puzzle, your retail business has unique characteristics that require a customized approach to insurance.

But every good captain knows the value of having an insurance anchor that protects against stormy waters; that is where we at The Allen Thomas Group come in to provide your retail enterprise with protection. Are you ready to safeguard your retail store with general liability insurance? Are you ready to safeguard your retail store with general liability insurance?

Liquor liability insurance: If your shop sells alcohol, liquor liability coverage will likely be essential in meeting state dram shop laws and protecting against lawsuits. Liquor liability insurance: If your shop sells alcohol, liquor liability coverage will likely be essential in meeting state dram shop laws and protecting against lawsuits.

Talk to an agent or check out our Business Insurance Directory to learn more about the types of businesses we insure. Talk to an agent or check out our Business Insurance Directory to learn more about the types of businesses we insure.

If the customer decides to sue, this policy can also cover your legal expenses, including the cost of hiring a lawyer.
 If the customer decides to sue, this policy can also cover your legal expenses, including the cost of hiring a lawyer.