Retail Store Business Insurance

Compare multiple quotes from top carriers with one application.
Interior view of the store.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies
Professions we insure:
Art stores
Bridal shops
Candy storesClothing storesComputer and electronics storesConsignment and thrift storesConvenience and drug storesE-commerce and online retailersFlorists
Furniture stores
Gift shops
Grocery stores
Hardware stores
Jewelry stores
Music shops
Pet and pet supply storesSmoke, tobacco, and vape shops
Toy stores
Vending machines
Compare insurance quotes icon

Compare quotes from trusted U.S. providers

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

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

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
What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Custom programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Insureon customer reviews on Feefo
Compare insurance quotes for retail businesses
Save money by comparing insurance quotes from multiple carriers.