Retail Store Business Insurance

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Insureon helps retail businesses compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

Common business insurance policies for retail stores

From smoke shops to electronics stores, retail shops are susceptible to theft, fires, and other risks. Insureon has helped retail business owners secure almost 6,000 policies.

Business owner’s policy icon

Business owner’s policy

This policy bundles commercial property and general liability insurance in one plan. A BOP is 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 property insurance for savings in a business owner’s policy.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for retail businesses that have employees. It can cover medical costs for work-related injuries.

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

Umbrella liability insurance

Umbrella liability 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
Looking for different coverage? See more policies.

How much does insurance cost for retail stores?

Woman with clipboard calculating cost of insurance for her retail business.

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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