General Liability
Responds to slip-and-falls and shopper injuries on the sales floor.
Read the General Liability guideWhat retail store insurance covers
The lines that respond when something goes wrong on the sales floor, in the stockroom, or after hours.
What insurance does a retail store need?
A retail store typically carries General Liability for customer injuries, Commercial Property for the build-out and inventory, Business Interruption for lost income after a closure, and Crime & Fidelity for employee theft. Workers Compensation is required once you have staff, with Cyber Liability and Umbrella coverage close behind.
- Coverage lines
- 10
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
What nearly every retail store carries
Commercial Property
Covers the build-out, fixtures, signage, and inventory.
Read the Commercial Property guideBusiness Interruption
Replaces lost income while a covered loss keeps the doors shut.
Read the Business Interruption guideCrime & Fidelity
Pays for employee theft, register skimming, and refund fraud.
Read the Crime & Fidelity guideWorkers Compensation
Required with staff; covers stockroom lifting and ladder injuries.
Read the Workers Compensation guideRecommended
Coverage most retailers should seriously consider
Cyber Liability
Covers POS breaches, stolen card data, ransomware, and notification costs.
Read the Cyber Liability guideUmbrella / Excess
Stacks extra limits above general liability and auto for large verdicts.
Read the Umbrella Insurance guideSituational
Coverage for specific store operations
Equipment Breakdown & Spoilage
Repairs failed refrigeration and replaces stock that spoils.
Commercial Auto
Covers owned delivery vans and box trucks used by the store.
Read the Commercial Auto guideHired & Non-Owned Auto
Picks up staff driving personal cars on store errands.
Read the Hired & Non-Owned Auto guideFocus on the work.
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