Protect your store, stock and income from theft, damage and customer claims. We shop carriers that insure shops like yours.
A few questions about your business or home.
We compare carriers and read the forms line by line.
We pick the best policy and get you covered.
A shopper trips, slips, or is injured in your store and files a liability claim.
Burglary, robbery, and employee dishonesty drain inventory and cash.
Fire, water, or weather damages your building, fixtures, and stock.
A covered loss closes the store.
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
One form carrying the store's property and its general liability, usually with business income built in, and priced for a storefront rather than a warehouse. Eligibility turns on class, square footage, construction, and what you sell. Most independent retail qualifies. Firearms, vape, and secondhand goods routinely do not.
A customer trips on a mat, walks into a display, or is injured by something they picked off your shelf. General liability answers those claims and the defense costs that come with them. Products liability is included for goods you sell but did not manufacture, which describes almost all retail inventory.
The building if you own it, tenant improvements if you lease, plus fixtures, shelving, point of sale equipment, and stock. Inventory values move with the season, and a limit set in February is not the limit you want in December. Coinsurance clauses cut the payment when the reported value was low, which is the most common way a retail loss comes up short.
Store staff lift, climb, and stand all day, and comp covers the medical and wage costs when that turns into an injury. Most states require it from the first employee, part time included. Retail class codes are straightforward, but seasonal payroll swings mean the estimate on the policy needs revisiting before the audit does it for you.
Landlords and mall leases commonly require a combined liability limit higher than a storefront policy carries on its own. An umbrella adds limit over the general liability and auto policies its schedule names and pays once those are exhausted. The lease language, not the carrier, is what sets the number you have to meet.
The right program depends on the operation, but the lines we most often evaluate are Business Owners Policy, General Liability, Commercial Property, Workers' Compensation, and Commercial Umbrella. We confirm which exposures are present before recommending a policy, so you do not pay for a line simply because it appears on a standard checklist.
Have sales, payroll, locations, inventory values, products sold, online sales, delivery operations, and loss runs ready. A complete submission lets carriers evaluate the account on the actual operation and reduces follow-up questions before they can quote.
Often, yes. A decline does not guarantee another carrier will quote, but it tells us where the standard market stopped. We review the reason, improve the submission where the facts support it, and approach specialty markets when they are appropriate.
We compare the coverage form, limits, deductibles, exclusions, carrier financial strength, binding requirements, and total cost. The lowest premium is not the best option when the form removes the protection the business needs.
Fill in one short form or call us. No broker fees.