Retail Premises Insurance

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.

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.

Liability insurance can protect your business against accidents that involve customers or visitors to your store, such as injuries from wet floors. Are you prepared to safeguard your retail store with general liability insurance coverage? Retailers usually acquire general liability and product liability policies to protect themselves against customer injuries caused by products sold. We offer insurance by phone, online and through independent agents. We offer insurance by phone, online and through independent agents.

If you advertise, your retail business could be susceptible to advertising injury lawsuits. Retailers may also benefit from considering other policies for retailers, including: Business Owner's Policy (BOP): This bundle combines general liability and commercial property insurance at a reduced rate than purchasing them individually. Our in-house specialists will connect you with a trusted business insurance provider for a personalized retail insurance quote. Our in-house specialists will connect you with a trusted business insurance provider for a personalized retail insurance quote.

Should a customer slip and fall in your store and sustain injuries that require medical treatment or legal fees due to being legally responsible. Protect those who work for you. Employee dishonesty coverage is part of The Allen Thomas Group's BOP offering and should be tailored specifically to your business risks. Employee dishonesty coverage is part of The Allen Thomas Group's BOP offering and should be tailored specifically to your business risks.

Retail stores eligible for Business Obligation Policies typically: In case a customer or delivery person is injured at your retail store due to an accident - for example slipping and falling - this may leave them liable for medical bills that arise as a result. Workers’ compensation insurance: Workers' comp is required in almost every state for stores that have employees. Workers’ compensation insurance: Workers' comp is required in almost every state for stores that have employees.

Furthermore, litigation costs could quickly add up in court proceedings brought by them against your store. Furthermore, litigation costs could quickly add up in court proceedings brought by them against your store.

An experienced agent from The Allen Thomas Group has the knowledge to ask the right questions, and to make suggestions, including add-ons or umbrella policies that can let you be confident that your retail business insurance provides the right protection for your situation. An experienced agent from The Allen Thomas Group has the knowledge to ask the right questions, and to make suggestions, including add-ons or umbrella policies that can let you be confident that your retail business insurance provides the right protection for your situation.