Retail Store Business Insurance

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Shoes on racks inside a retail store.
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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

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 icon

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 / 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

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?

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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