Retail Business
Insurance Solutions

What insurance coverages are available for Retail Businesses?

Retail businesses, including gift shops, florist, clothing stores, e-commerce store and other retailers have unique insurance needs, based on their size, location, number of employees and assets.

Retailers can consider Businessowners Policy or Commercial Package Policy that includes liability and property insurance in a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.

Commercial Package Policy or Businessowners Policy?

Commercial Package Policy (CPP) insurance is an important investment for any retail business. CPP coverage includes Commercial Property Insurance, Commercial General Liability, and other lines of coverage tailored to your specific needs. By combining these different types of insurance into one comprehensive package plan, you can receive the peace-of-mind knowing that all aspects of your business are taken care of should something unexpected happen. Ultimately, a Commercial Package Policy will give you the financial protection so that you can continue creating a successful business.

Businessowners Policy insurance is an important investment for any retail business. It protects the store's property, provides liability coverage, and also covers income lost in the case of certain business interruptions. Businessowners Policy (BOP) also covers third-party property damage and bodily injury caused by your business’ products and services. Ultimately, a Businessowners Policy ensures that your retail business is covered in the event of a loss or lawsuit against your company. Investigating Businessowners Policy insurance options is a wise decision to make when protecting the assets of your retail business.

Either of these two policies can be purchased to benefit a business, but not both.The BOP is more comprehensive but the CPP can be tailored to their specific needs and limits. It is best to talk with your insurance agent to see which is the best fit for your business.

What are some Retail businesses that are eligible for a Businessowner's Program?

  • Air Conditioning Equipment
  • Appliance Stores
  • Army and Navy Stores
  • Art Galleries
  • Barber or Beauty Shop Supplies Distributors
  • Bicycle Shops
  • Bookbinding and Printing Supplies
  • Books and Magazine Stores
  • Camera and Photographic Equipment
  • Candy and Confectionary Stores
  • Ceramics
  • Clock Shop with Repair
  • Clothing - Uniforms
  • Clothing or Wearing Apparel
  • Computer Stores – Retail and Repair
  • Convenience Food Stores
  • Cosmetic, Hair or Skin Preparation
  • Dairy Products Stores
  • Department Stores
  • Drugstores
  • Dry Good Dealers
  • Education and School Supplies
  • Electrical Supplies and Lighting Stores
  • Electronic Stores
  • Fabric
  • Flag and Banner
  • Floor Covering
  • Florists
  • Fur- Garments and Pelts
  • Furniture- Upholstered, Wood or Metal, Patio or Outdoor
  • Gardening and Light Farming Supply
  • General Stores
  • Gift Shops
  • Glass and Dealers and Glaziers
  • Grocery
  • Gourmet Coffee and Coffee Supplies
  • Hardware and Tools
  • Health or Natural Food Stores
  • Hearing Aid
  • Hobby, Craft or Artists’ Supply
  • Home Furnishings Stores
  • Home Improvement Stores
  • Janitorial Supplies
  • Jewelry
  • Kitchen Accessories
  • Knives and Scissors
  • Leather Products or Hide Stores
  • Luggage Goods
  • Mail Order Houses
  • Marble Products
  • Media Duplication
  • Monuments
  • Music- Pre-Recorded and Instrument Stores
  • Newsstands
  • Office Machines or Appliances (no repair)
  • Optical Goods
  • Paint, Wall Paper or Wall Covering Stores
  • Painting, Picture or Frame Setters
  • Party Supplies
  • Pet Stores
  • Photography Equipment
  • Plumbing Supplies and Fixtures
  • Precision and Scientific Tools and Instruments
  • Refrigeration Equipment- Commercial
  • Religious Articles
  • Retails Stores, NOC
  • Sewing Machine Stores
  • Ship Chandler Stores
  • Shoe Stores
  • Signs
  • Sporting Goods or Athletic Equipment Stores (including apparel)
  • Stationary or Paper Products
  • Straw Products
  • Supermarkets
  • Toys
  • Trophy Stores
  • Tuxedo Rentals
  • Variety Stores
  • Video Stores- Rental and Sales
  • Videotape Editing Services
  • Wigs
  • Wood Products, NOC

Contact an insurance agent for more information

For more information about insurance solutions for your Retail business, talk to an insurance agent. They can help you determine how much coverage you need. Contact us to help you find an insurance agent in your area.

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