Retail Stores Insurance Program

We combine the insurance coverages your retail business needs in an easy, affordable and comprehensive policy. Since the needs of a small florist differ from a home improvement store, we offer different levels of coverage you can select, as well as various deductible and payment options to assure you have the coverage and price that’s right for your business.

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Types of Retail Stores that We Insure

  • Appliances, home furnishings and office supply stores
  • Automobile parts and supplies stores
  • Bakeries, candy, and confectionery stores
  • Barber and beauty supply stores
  • Building material dealers supplies
  • Clothing and apparel stores
  • Computer and electronics stores
  • Electrical and lighting
  • Florists
  • Furniture, floor, paint, wallpaper, and wallcovering stores
  • Grocery stores
  • Hardware stores
  • Hobby, craft, and variety stores
  • Home improvement stores
  • Janitorial supplies (retail)
  • Medical, hospital, and surgical supply stores
  • Pet stores
  • Plumbing supplies and fixtures dealers
  • Yard and garden equipment

Coverage Highlights


  • Buildings
  • Business income and extra expense
  • Business personal property
  • Newly acquired buildings and business personal property
  • Peak season increase of stock
  • Property you lease for use in your business
  • Property of others while left in your care
  • Sales samples and stock

General Liability

  • Slips and falls
  • Bodily injury or property damage caused by your work
  • Liability assumed by contracts
  • Libel
  • Slander
  • Advertising injury.

Business Auto

  • Liability coverage
  • Uninsured and underinsured motorist coverage
  • Physical damage coverage
    • Collision
    • Comprehensive
    • Specified perils — such as theft, vandalism, hail, fire, and wind

Equipment Breakdown
Both real and personal property coverage including electrical, mechanical, and pressure systems breakdown.

Optional Coverages Tailored to Retail Stores

Inland Marine
Examples of Inland Marine coverage we can offer your retail business include Accounts Receivable, Valuable Papers, Electronic Data Processing and other coverages tailored to your needs

Examples of Crime coverage we can offer your retail business:

  • Employee dishonesty
  • Forgery
  • Money and securities
  • Employee retirement income security

Cyber Liability
Coverage for a Privacy Breach event
Coverage for media wrongful acts, network security, wrongful acts, and privacy wrongful acts
Extortion Coverage

Protection for discrimination, harassment, wrongful termination, and more
Protection for you and employees from allegation of wrongful acts
Extended reporting period up to 36 months
Available to companies up to 50 employees

Workers’ Compensation
Protection from work related injuries or illness. Workers’ Compensation coverage provides payment for medical care, lost time wages, financial benefits to the family of a deceased worker, and more. Workers’ Compensation coverage can protect both you and your employees.

Umbrella Coverage
Additional liability coverage to help protect against severe or catastrophic claims against you. This coverage protects your assets when the cost of a general liability or commercial automobile claim exceeds the limits of those policies.

Risk Management Services


  • BMAG Safety Portal with safety news, reference links, and safety sheets
  • On-site safety and health assessments
  • Customized training programs
  • Specialized property consulting
  • Industrial hygiene
  • Safety video rentals
  • Management services, including fleet safety, accident investigation, job safety analysis, machine and material handling reviews

Training Offered
Our customized training programs assist in developing management skills and procedures to reduce loss.

Loss Control Services also offers our clients a range of educational and reporting materials.