Running a retail business comes with unique risks and challenges, so having the right insurance coverage is essential.
At our Insurance Agency, we offer customizable Retail Business Insurance policies designed to protect your business from unexpected events that can cause financial loss.
Coverage Options
Property Damage Coverage
This option compensates for damage to your retail business property caused by covered events such as fire, theft, or natural disasters.
Liability Coverage
This option protects your business from financial loss due to lawsuits or claims filed against your business by customers or other parties.
Product Liability Coverage
This option protects your business from financial loss due to lawsuits or claims filed against your business for products sold or distributed by your business.
Business Interruption Coverage
This coverage option compensates for the loss of income due to unexpected events that cause your business to temporarily close or stop operations.
Customizable Options
Every retail business is unique, so we offer customizable coverage options. You can tailor your Retail Business Insurance policy to cover specific risks, such as cyber liability, employee theft, etc.
Benefits of Retail Business Insurance
Protection against financial loss Unexpected events such as property damage, liability claims, and business interruption can result in substantial financial losses. Retail Business Insurance provides coverage to help offset these losses.
Peace of mind Retail Business Insurance gives you peace of mind knowing you have coverage to protect your business from unexpected events.
Experienced Professionals Our Insurance Agency has a team of experienced professionals who understand the unique risks of running a retail business. We can help you design a Retail Business Insurance policy that provides the protection you need to safeguard your business.
Click And Learn
General liability
Commercial property
Data Breach
Employment Practices liability
Workers’ Compensation
General liability coverage
Risk Factors
If a customer slips and gets hurt while shopping in your boutique or your employee breaks a customer’s phone while helping them make a purchase, you can be liable for the damages.
Solution
General liability helps to protect your retail business from lawsuits claiming you’re responsible for an injury or property damage. In addition, general liability insurance can help cover medical costs or replace damaged items.
Commercial property coverage
Risk Factors
Commercial property insurance can help protect where you run your retail business.
Solution
It helped cover your business’ inventory and owned or rented equipment, including Rolling crates, Shelves, Computers, and Cash registers.
Data breach coverage
Risk Factors
Retail businesses often collect sensitive employee and customer information including Credit card numbers. The loss or theft of that information could leave your store open to lawsuits and damage your reputation.
Solution
Data breach coverage helps pay the costs that result when personally identifiable information is lost or stolen, including Notifying impacted individuals, Managing public relations and Good faith advertising.
Employment Practices liability coverage
Risk Factors
Retail businesses may face claims from current or past employees over issues such as Harassment, Wrongful termination, Wrongful failure to promote and many more.
Solution
If an employee sues you for discrimination, your retail business may face significant costs for your legal defense. But EPL can help your business cover those costs.
Workers’ compensation coverage
Risk Factors
If an injured employee’s family decides to sue you, you may end up paying for legal expenses from your pockets.
Solution
Required by most states, workers’ compensation insurance provides benefits to employees for work-related injuries or illnesses. These benefits include Medical care, Wages from lost work time, Funeral costs and Disability care.
Contact us today to learn more about our Retail Business Insurance options and how we can help protect your business.
