Insurance for Retail Stores
Discuss insurance for your store, boutique or online retail business, including stock and customer contact.
Online quotes depend on eligibility and underwriting.
Let’s talk insurance.
Inventory and customer visits deserve separate attention
A retailer may have valuable stock as well as people entering the premises. Explain products sold, peak inventory and any installation or delivery service. Ask how property limits and covered causes apply rather than assuming the building owner protects your stock.
Selling online does not remove product questions
Ecommerce changes where customers buy, not what you sell. Describe the products and sales channels. If you sell through Amazon, review marketplace-specific considerations rather than treating every sales channel as identical.
Coverage to consider
Business Owner’s Policy: A BOP combines liability and property coverage for eligible businesses. Review the property included, covered causes of loss and any business-income conditions.
General liability: Customer injuries and damage to another person’s property raise liability questions. Review the covered operations, limits and exclusions.
Workers’ compensation: Employee injuries require their own discussion. Explain the duties performed and review applicable requirements before hiring or changing work.
Selling on Amazon? Read our Amazon seller insurance page for marketplace-specific considerations.
Opening a business? Read insurance for a new business. You can also browse all industries or find your city in Areas We Serve.
Coverage depends on the policy’s terms, limits and exclusions. An inquiry or online quote does not put coverage in force.
Common questions
Should a boutique include seasonal inventory peaks?
Yes. Discuss the highest values you expect to hold and how the policy addresses them.
Does an online-only shop still need to discuss liability?
Yes. The products and services sold can create exposures even without a public storefront.
Does the landlord insure my merchandise?
Do not assume so. The building and your business contents are separate interests.