Retail Business Insurance

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Who Needs Retail Business Insurance?



Any business that incorporates retail trade would benefit from retail trade insurance. You’ll need retail trade insurance if your business falls under any of the following activities:

  • Electronic Stores
  • Tobacco Stores
  • Vending Machine Operators
  • Home Furnishings Stores
  • Cosmetics, Beauty Supplies, and Perfume Stores
  • Clothing Stores
  • Convenience Stores
  • Used Merchandise Stores
  • Gift, Novelty, and Souvenir Stores
  • Jewelry Stores
  • Beer, Wine, and Liquor Stores
  • Supermarkets and Other Grocery Stores
  • Hobby, Toy, and Game Stores
  • Sporting Goods Stores
  • Automotive Parts and Accessories Stores
  • Art Dealers
  • Bakeries
  • Pharmacies and Drug Stores
  • Pet and Pet Supplies Stores
  • Florists

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What insurance do you need if you work in retail?

Frequently Asked Questions

What insurance do retailers need?

Most retail businesses should obtain general liability and commercial property insurance at the very least, especially since these policies may be necessary in order to lease a retail storefront. Other insurance covers most popular with retail business owners are: Business Owners Policy (BOP), Workers Compensation and Commercial Auto.

What is online retail insurance?

While operating an e-commerce business may reduce some of the dangers that conventional brick-and-mortar businesses face, such as slip-and-fall incidents or physical damage to a storefront, online merchants are not without risk.

To protect against some of the most prevalent hazards that e-commerce businesses encounter, such as customer injury and property damage, most online companies should obtain general liability insurance and product liability insurance.

How much does insurance for retail businesses cost?

The cost of your insurance policies will depend on a variety of factors including the types that you get, the location of your business, previous claims, the size of your business, and more. You can get an accurate quote by speaking with an insurance representative and making sure all of your needs are met.

Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.