Retail Store Business Insurance

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Recommended business insurance policies for retail stores

From smoke shops to electronics stores, retail shops are susceptible to theft, fires, injuries, and lawsuits. Insureon helps retail business owners secure the policies they need for their unique risks.

Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability insurance in one plan. It's often the most cost-effective type of business insurance for retailers.

BEST FOR
  • Customer injuries
  • Damaged business property
  • Business interruption incidents
General liability insurance icon

General liability insurance

This policy covers common retail store risks, such as a customer slipping in a spill at a grocery store. Bundle with commercial property insurance for savings in a BOP.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for retail businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

This policy helps retail stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.

BEST FOR
  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Umbrella insurance boosts coverage on a retailer's general liability insurance, employer’s liability, or commercial auto insurance once the policy reaches its limit.

BEST FOR
  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Most states require commercial auto insurance for business-owned vehicles. This policy covers accidents involving a retailer's delivery van or other vehicle.

BEST FOR
  • Damage to another vehicle
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

How much does insurance cost for retail stores?

Retailer with a clipboard calculating the cost of business insurance.

Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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