Retail store insurance

Serving your customers in a retail setting involves many unique risks beyond the standard liability issues most small businesses face. We’re here to provide some extra help you might need.

Customers typically make retail store owners happy. Customers, while in a retail store location, also present unique risks for businesses beyond standard businessowners policies. The more foot traffic at your location(s), the higher the probability that someone gets injured while on your property. We have many coverage options to help provide exactly what you need to run an efficient retail operation with less worry about mishaps and accidents.

There are main coverages you’ll want to review:

  • A businessowners policy is the main coverage available for retail stores. Key coverages include business income, electronic data, outdoor property and more.
  • Commercial property insurance helps cover equipment, inventory computers and more. 
  • Workers compensation insurance can protect your business from financial loss if an employee becomes injured on the job. It may also help pay for associated medical care and the injured employee’s lost wages.
  • Commercial general liability insurance can protect your retail business from financial loss should you become liable for injury to a customer.
  • Cyber insurance provides five broad, flexible coverages with discounts available and limits up to $1 million depending on risk type.

Retail businesses UFG insures include:

  • Appliance
  • Auto parts and supplies
  • Auto repair and body shops
  • Bakery
  • Banks/financial institutions
  • Beverage
  • Bicycle stores – sales and servicing
  • Book (new only)
  • Breweries
  • Building material dealers (other than secondhand materials)
  • Camera and photographic equipment
  • Caterers
  • Clothing and shoe
  • Coffee/tea
  • Computer
  • Convenience food
  • Cosmetic
  • Department
  • Drugstores
  • Electrical repair
  • Electronic
  • Fabric
  • Floor covering
  • Florist
  • Frozen or frosted food
  • Fruit or vegetable dealers
  • Garden supply
  • Gasoline stations
  • Gift
  • Golf course (private/semiprivate)
  • Grocery
  • Hardware
  • Hearing aid 
  • Ice cream (including frozen yogurt)
  • Leather goods
  • Machinery or equipment dealers (yard or garden type)
  • Mail order house 
  • Meat, fish, poultry or seafood
  • Musical instrument 
  • Office machine and appliance
  • Optical goods
  • Paper, craft, hobby
  • Pet
  • Plumbing supply
  • Trophy
  • Variety
  • Window treatment
Interested in a retail store insurance quote for your business? Seeking a new businessowners policy? Find an agent today.