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 stores
Smoke, tobacco, and vape shopsCompare insurance quotes for retail businesses
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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
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
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
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
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
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?
Several factors will have an impact on insurance costs, including:
- Retail products and services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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