Retail Workers Compensation Insurance

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.

For example, if a vape pen explodes and injures a customer, your general liability insurance can cover the customer’s medical bills – or legal fees if the customer sues. When shopping for commercial property coverage, keep these three elements in mind: (1) Weather-related damage (2) Utility malfunction (3) Theft vandalism and theft vandalism and any other manmade issues Your physical shop and its contents could be at risk from unexpected losses caused by fire, storm damage, theft, vandalism and vehicle - or even airplane - collision. When shopping for commercial property coverage, keep these three elements in mind: (1) Weather-related damage (2) Utility malfunction (3) Theft vandalism and theft vandalism and any other manmade issues Your physical shop and its contents could be at risk from unexpected losses caused by fire, storm damage, theft, vandalism and vehicle - or even airplane - collision.

Get coverage to help recover losses from employee theft at your store. Get coverage to help recover losses from employee theft at your store.

Without adequate protection in place, your business could face serious financial risks that could jeopardise its survival and many landlords require proof of insurance before renting commercial space. Without adequate protection in place, your business could face serious financial risks that could jeopardise its survival and many landlords require proof of insurance before renting commercial space.

If a customer slips and falls in your store, this coverage can help cover their medical expenses and legal fees, saving you from a costly legal battle. If a customer slips and falls in your store, this coverage can help cover their medical expenses and legal fees, saving you from a costly legal battle.

Should any be stolen or damaged beyond repair, insurance can help replace or repair them quickly to reduce losses and minimize downtime. Should any be stolen or damaged beyond repair, insurance can help replace or repair them quickly to reduce losses and minimize downtime.

For frequent overseas travel, or for businesses that have an overseas location, a separate Global CompanionSM policy is available. While general liability insurance covers many common risks, it does not provide complete protection. 
 Take the time to get the right coverage for your retail business, and you can keep sales ringing. For example, we can help you get an umbrella policy with up to $25 million in additional liability coverage to cover the costs of a covered loss.
 Cover yourself around the world. Cover yourself around the world.

General liability insurance for retailers usually includes product liability insurance, which protects against customer injuries or other damage caused by a product you sold. Commercial umbrella insurance: Similar to excess liability policies, commercial umbrella policies extend coverage on a retailer's general liability, commercial auto, and employer's liability policies once their limits have been reached. You may see this policy included as part of your products-completed operations coverage, which covers lawsuits over defective products and poor workmanship. Every program for retailers starts with our core BOP (Business Owner's Policy). Every program for retailers starts with our core BOP (Business Owner's Policy).

Check with an agent or browse the Business Insurance Directory to gain more insight into what businesses we insure. We can help you find the best bundle for your unique needs. Employee dishonesty coverage is included in the BOP offered by The Allen Thomas Group. Retail Cyber Insurance for small business is essential to protect against failure and ensure unauthorized access or use of customer identity data. Retail Cyber Insurance for small business is essential to protect against failure and ensure unauthorized access or use of customer identity data.

Even retail giants fall prey to cybercriminals looking to access customers' personal data. Several different types of insurance — with policies specifically tailored to the needs of retail businesses — can help protect them from a range of accidents and mishaps. Running a retail business is like embarking on a thrilling adventure. Business Interruption Insurance: When unexpected circumstances force your company to temporarily cease operations, this coverage provides ongoing expenses such as rent, payroll, and utility costs for renters to get them back up-and-running quickly. Business Interruption Insurance: When unexpected circumstances force your company to temporarily cease operations, this coverage provides ongoing expenses such as rent, payroll, and utility costs for renters to get them back up-and-running quickly.

Workers compensation insurance ensures they can access necessary medical care and wage replacement should an injury occur in the workplace. Commercial Auto Insurance: For businesses that rely on vehicles for deliveries or transportation purposes, commercial auto insurance is essential. What should I consider when selecting an insurance provider? As either a business owner or employee, there are a variety of preventive steps you can take to keep your data safe. As either a business owner or employee, there are a variety of preventive steps you can take to keep your data safe.

Whether you have employees driving occasionally to an off-site meeting or a fleet of drivers delivering products to customers every day, protect your business on the road.
 BIEE coverage can help replace your income and expenses like rent, payroll, and other financial responsibilities while your property is being repaired or replaced. Cyber insurance protects against losses caused by data breaches while guaranteeing the privacy and protection of customer sensitive information.
 Cyber insurance protects against losses caused by data breaches while guaranteeing the privacy and protection of customer sensitive information.


If the watch is accidentally scratched during the process, general liability insurance can help cover the cost of repairing or replacing the watch.