In addition to your basic BOP, there are some addition retail store insurance considerations. Picking the appropriate packages will vary based upon the business type and facilities.


This coverage will keep your business from closing its doors due to unexpected events. If you’re closed for business you still have to pay the bills – employees, rent or mortgage, supplies, taxes and yourself. A force out of your control may interrupt your business, forces such as:

  • Fire
  • Hail
  • Windstorm
  • Vandalism
  • Equipment


Liability insurance protects you and your company from expensive lawsuits. A professional consultant whose product is their expertise has different liability insurance needs from a company that sells clothing.

General liability insurance policies typically cover you and your company claims involving bodily injuries and property damage resulting from your products, services or operations. This will also cover you and your company for claims involving bodily injury and property damage resulting from your products, services or operations. It also covers if you are held liable for damages to your landlord’s property. This may be the only policy you need, depending on the business you are in, but it will not protect your company from claims alleging professional errors of negligence.

Employment Practices Insurance offers broad protection for you, your company, your managers and your employees in the event that someone files a claim alleging unfair employment practices. Claims can range from age and gender discrimination to sexual harassment, breach of contract and mismanagement of employee benefits.

Professional Liability Insurance offers veterans, accountants, funeral directors, consultants and other professional’s coverage against negligence, errors and omissions and malpractice.

Product Liability coverage is available to small businesses that make or manufacture goods that are sold to the public. It offers protection in the case that a consumer becomes injured from using your product. Cost generally depends on the industry.

Worker’s Compensation Insurance

Did you know…?

Your business property coverage may not reimburse you for cash and checks in a building if a fire or other disaster destroys them.

Here Are a Few of the Distinctive Features Available in the Business Policy:

  • Business Property Insurance covers:
  • Building Coverage allows you to repair or rebuild store locations damaged by a natural disaster or other catastrophe so returning to a normal state or business as usual is quick and seamless, which will help minimize the loss of income and revenue.
  • Business Personal Property Coverage in an unforeseen event, this coverage will allow you to replace the contents of your store should they be destroyed.
  • Business Income Coverage (also known as Business Interruption Insurance) helps cover payroll expense and additional operating expenses until goods, services and operations are back up and running.
  • Outdoor Signs & Property Coverage replaces signage and lighting as well as trees, shrubs, plants and outdoor fences.
  • Tenant’s Exterior Glass Coverage Glass coverage should store fronts be destroyed or break.
  • Bailee Coverage consumer property left in your care, such as clothing or jewelry (would apply to companies such as dry cleaners) should they be damaged or lost.
  • Contamination Shutdown Coverage should the government shut you down due to health concerns, this coverage will help cover your loss of income.
  • Spoilage Coverage if there is a mechanical failure (refrigeration breakdown or power outage) this coverage will cover costs to replace or repair lost or damaged inventory.
  • Newly acquired Personal Property covers loss of business income resulting from damage on a newly acquired building or business personal property.
  • Equipment Breakdown Coverage will cover the sudden breakdown of mechanical equipment.
  • Computer Coverage replace or repair damaged hardware, software and other media vital to your operations.
  • Backup of Sewer & Drain Coverage repair or replace damaged items caused by back up or overflowing sewers or drains.
  • Building Ordinance Coverage should there be a cost in maintaining your business with the building ordinance when you repair, remodel or rebuild after a natural disaster, this coverage will assist in alleviating the costs.
  • Fire Department Service Charge covers the charge you would pay if the fire department saves your store from a fire.
  • Fire Extinguisher Recharge Coverage covers to recharge or replace fire extinguishers that were used if a blaze occurred or if it was accidentally discharged.
  • Personal Property Off-Premises Coverage items that are damaged by fire, theft or other covered peril.
  • Pollution Clean Up Coverage covers the cost to remove pollutants from land or water at your retail store as a result of a covered cause of loss during policy period.
  • Business Crime Insurance:
  • Employee dishonesty – Covers direct physical loss of business personal property including money and securities caused by dishonest acts committed by employees.
  • Money & Securities – Covers the loss of business money and securities caused by theft, disappearance, or destruction from described premises, a bank or savings institution, while being conveyed by a messenger or armored auto or within the residence of a messenger.
  • Business Income Coverage (also known as Business Interruption Insurance) helps cover payroll expense and additional operating expenses until goods, services and operations are back up and running.
  • Money Order and Counterfeit Paper Currency Coverage recoups lost income for counterfeit currency in exchange for product or service.
  • Forgery and Alteration Coverage in the extreme case of a bookkeeper or accountant writing checks to themselves, payable by you, this will help cover that loss.
  • Business Liability Insurance:
  • Barbers and Beauticians Professional Liability Coverage losses related to technician error that can cause a loss, harm or injury to a client.
  • Premises and Operations Coverage covers damages you would be obligated to pay for such as a slip and fall that happens on your property.
  • Products and Completed Operations Coverage covers damages if a client complains they are ill or a loss caused by a product you sold or service you provided.
  • Personal and Advertising Injury Liability Coverage covers claims by customers or employees that claim an injury was due to your negligence including competitors that claim you have stated false information about their store operations/practices/products in an advertisement.
  • Medical Payments Coverage covers cost of an ambulance, first aid or other necessary services in the event of accident regardless of fault.
  • Employment Practices Liability Coverage insurance coverage to protect your business entity, directors, officers and employees if you are wrongfully terminated, harassed or victim to any other employment related offenses.
  • Employee Benefits Liability Coverage
  • Utility Interruption

    Provides loss of income coverage due to failure of communications, water, natural gas or electrical service to your insured premises for more than eight consecutive hours. See policy provisions.

  • Comprehensive General Liability

    To help protect yourself financially against costly claims and lawsuits.

  • Loss of Income

    Protection in case you must close your business because of a covered loss.

  • Accounts Receivable

    Covers loss of monies due to you that are uncollectible because of damage to accounts receivable records.

  • Data Compromise and Identity Restoration

    Coverage’s work together to help your business and you get back on track after a data breach occurs or if you, the business owner, become a victim of identity theft.