What Is Retail Insurance

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.

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.

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.

In this article, we'll take an in-depth look into retail business insurance. If your suppliers are unable to produce goods your business depends on, for example, an agent might suggest a dependent property coverage endorsement. It covers accidents, damages or theft that might happen with your vehicles and provides essential coverage in case something happens to them. It covers accidents, damages or theft that might happen with your vehicles and provides essential coverage in case something happens to them.

You'll have the property and liability protection that you feel is right for you because an agent can help you customize your coverage. Insurance doesn’t have to be complicated. Insurance doesn’t have to be complicated.

We believe in giving you peace of mind without breaking the bank. If, for example, a customer slips and falls on a wet floor in your store and is injured, liability insurance could cover medical costs, legal fees and damages for which you are legally responsible. If, for example, a customer slips and falls on a wet floor in your store and is injured, liability insurance could cover medical costs, legal fees and damages for which you are legally responsible.

Protect your employees with Workers Comp. If this is the case for your business, you will require commercial auto coverage for it. If this is the case for your business, you will require commercial auto coverage for it.

If you run a small retail shop, you may be able to bundle general liability insurance with commercial property insurance in a business owner’s policy. A BOP typically covers your assets such as: A BOP should protect both your physical premises (retail space or warehouse) as well as any contents on them, from displays to products. A BOP typically covers your assets such as: A BOP should protect both your physical premises (retail space or warehouse) as well as any contents on them, from displays to products.