Retail Store Business Insurance

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Professions we insure:

Beer, liquor, and wine stores Bridal shops Candy stores Clothing stores Computer and electronics stores Consignment and thrift stores Convenience and drug stores E-commerce and online retailers Florists Furniture stores

Grocery stores Jewelry stores Pet and pet supply stores Smoke, tobacco, and vape shops

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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

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

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
Product liability insurance

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

Liquor liability insurance

Shops that sell alcohol need liquor liability insurance. This policy provides liability protection if a customer who bought alcohol injures someone or damages their property.

BEST FOR

Injuries caused by intoxicated customers
Property damage caused by intoxicated customers
Legal defense costs

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

Commercial auto insurance

Commercial auto insurance is usually required for business-owned vehicles. This policy covers accidents involving a retailer's delivery van or other vehicle.

BEST FOR

Physical damage and collision coverage
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?

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

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