Retailers

This covers the physical store location and its contents, including inventory and equipment. It can protect against perils like fire, theft, and certain types of weather damage.

This protects against claims of bodily injury or property damage that occur on the premises. It also usually includes coverage for advertising injury and personal injury (like libel or slander).

If you're selling products, this insurance is crucial as it covers you in case a product you sell causes harm to a customer due to a defect, malfunction, or failure to warn.

If your store has to temporarily close due to a covered loss, this coverage can compensate for lost income and cover operating expenses.

This is required in most states and covers medical expenses and lost wages if an employee is injured or becomes ill while working.

If your retail business owns vehicles used for business purposes, this insurance can cover costs related to accidents or damage.

If your retail business stores sensitive customer information or processes payments online, this insurance can cover costs associated with a data breach or cyber attack.

This covers theft, burglary, and fraud committed by both employees and outsiders.

This policy provides additional liability coverage beyond the limits of your other policies.

If your retail store relies on certain equipment (like HVAC systems or point-of-sale systems), this can cover repair or replacement costs if the equipment breaks down.