Industries we serve
Retail insurance for the store you have built
Your lease, inventory and daily sales all shape what you need from business insurance. We help retailers review coverage around the way the store operates, whether you are comparing a renewal or opening another location.
Inside your store
Inventory and improvements can change faster than the policy
A store preparing for its busiest season may carry much more inventory than it does during the rest of the year. New fixtures, refrigeration equipment or improvements to a leased space can also change the value at risk. Those details deserve attention when you review the property coverage.
Bring your lease into the conversation too. The landlord’s building insurance and your store’s insurance serve different purposes. Understanding which improvements and responsibilities belong to you helps us prepare a more accurate submission.
Your everyday operations
Consider how customers buy and how orders leave
A business owners policy may be an option for an eligible store, combining several core coverages. The review should also consider employees, online sales, customer information and any vehicles used for the business. A retailer making deliveries has different questions to answer from a shop where every purchase leaves with the customer.
If a covered property loss forced the store to close temporarily, business income coverage could be important. We can help you review the terms and limits, including how the policy treats the interruption and the expenses involved in getting back to work.
Comparing your renewal
Show us what has changed in the store
Send your current policy and renewal proposal, along with annual sales, payroll, inventory values and the types of products you sell. Let us know about seasonal peaks, special events, installation work or deliveries.
We can then help you compare available options using the same business details. That makes it easier to see whether a price difference comes from the insurer, the coverage or an assumption that needs correcting.
Related coverage and industries
Explore your options
Property, general liability and business income coverage packaged for eligible businesses.
Workers CompensationCoverage for work-related employee injuries and illnesses.
Cyber InsuranceReview cyber insurance for incident response, business disruption and claims involving customer information.
Commercial AutoInsurance for business vehicles, with a review of drivers, vehicle use and hired or non-owned auto exposure.
Coverage references
General information. Coverage depends on the policy, exclusions and underwriting.