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Retail Insurance

Coverage for Storefronts and Online Shops

Describe your storefront or online business, inventory, staff and delivery activities so the team can review relevant insurance questions.

Request a Retail Business Review

Review how goods reach customers

Physical stores, online sales, imported products and delivery operations can create different exposures. Describe what you sell and where you operate.

Coverage topics to discuss

Ask about general and product liability, property, inventory, crime, cyber, business income, workers’ compensation and commercial auto as appropriate. Conditions and exclusions vary by policy.

Match the details

Discuss stock values, seasonal changes, security and lease requirements. An introductory inquiry does not guarantee a premium, confirm coverage or satisfy a contract.

Frequently Asked Questions

Is retail insurance required?

Requirements depend on state law, staff, leases and contracts. Confirm the specific obligations for your operation.

Theft coverage depends on the cause, policy, limits and exclusions. Employee dishonesty, shoplifting and burglary may be treated differently.

Online sales can create product, shipping and cyber exposures. Explain your operations so the team can review available options.

Business income coverage depends on a covered cause and applicable policy conditions. It does not cover every reduction in sales.

Consider payment systems, customer data and online operations. Review the available coverage and incident-response obligations for your business.

Start with a review of your operations, existing policies and requirements. Coverage is subject to insurer acceptance and policy terms.

Request a retail business coverage review

Tell us about your store. A licensed agent will review the coverage it needs.