Insurance for Retail Stores
Protect your inventory, your store, and your customers.
Get comprehensive retail insurance that covers your inventory, protects against customer injuries, and keeps your store running.
Licensed agents who understand retail deliver fast quotes and expert support for stores of all sizes.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Why Retail Insurance Matters
Coverage for every aspect of your retail operation
Running a retail store means managing risks from multiple angles—customer injuries in your store, inventory theft and damage, employee accidents, and business interruption from unexpected events. Whether you operate a boutique, hardware store, grocery, or e-commerce fulfillment center, the right insurance protects your investment and keeps your business running.
Most retail businesses need General Liability (for customer injuries and property damage), Commercial Property (to protect inventory, fixtures, and equipment), Workers' Compensation (if you have employees), and often Business Interruption coverage to protect income if you're forced to close.
Retail-specific coverage options like Product Liability (for products you sell), Crime Insurance (for employee theft), and Cyber Liability (for data breaches) provide additional protection tailored to your operation. Working with agents who understand retail helps ensure you have the right coverage at competitive rates.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers customer injuries in your store, property damage, and product liability claims.
Business Owners Policy
Bundled coverage for property, inventory, liability, and business interruption—ideal for retail stores.
Workers' Compensation
RequiredRequired for employees. Covers injuries from lifting, stocking, and customer interactions.
Industry Risks
Common risks you need to protect against
Real risks retail stores face
See how the right insurance protects your store when things go wrong
Risk
A customer slips on a wet floor in your store and breaks their hip.
General Liability
Pays for medical expenses, legal defense, and settlement—potentially $50,000-$200,000 in claims.
Risk
A customer slips on a wet floor in your store and breaks their hip.
General Liability
Pays for medical expenses, legal defense, and settlement—potentially $50,000-$200,000 in claims.
Risk
A pipe bursts overnight, flooding your store and destroying $30,000 in inventory.
Commercial Property
Reimburses you for damaged inventory and equipment so you can restock and reopen quickly.
Risk
A pipe bursts overnight, flooding your store and destroying $30,000 in inventory.
Commercial Property
Reimburses you for damaged inventory and equipment so you can restock and reopen quickly.
Risk
An employee steals $5,000 in merchandise over several months before being caught.
Crime Insurance
Covers the value of stolen merchandise and helps you recover from internal theft.
Risk
An employee steals $5,000 in merchandise over several months before being caught.
Crime Insurance
Covers the value of stolen merchandise and helps you recover from internal theft.
Why Choose Us
Why retailers choose 1-800-INSURANCE
- Coverage packages designed for retail stores of all sizes
- Inventory protection for seasonal fluctuations
- Product liability coverage for items you sell
- Help meeting landlord and shopping center requirements
- Crime insurance for employee theft protection
- E-commerce and cyber liability options for online retailers
Essential coverage for retail stores
Compare quotes and get the specific policies your store needs
General Liability
Protection against customer injuries and product liability claims in your store.
Business Owners Policy (BOP)
Bundled coverage for property, inventory, liability, and business interruption.
Workers' Compensation
Required coverage for retail employees. Covers injuries from lifting and customer interactions.
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Retail Store Insurance FAQs
What insurance does a retail store need?
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Most retail stores need General Liability, Commercial Property (for inventory and equipment), and Workers' Compensation if you have employees. Many opt for a Business Owners Policy (BOP) that bundles these coverages at a lower cost.
Does my inventory get covered if I have seasonal fluctuations?
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Yes. Most commercial property policies can be written with 'peak season' provisions that automatically increase your coverage limits during busy seasons like holidays. Tell your agent about your inventory patterns to get proper coverage.
Do I need cyber liability insurance for my retail store?
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If you accept credit cards or store customer data, cyber liability insurance is strongly recommended. It covers data breach response, customer notification, and legal defense if customer information is stolen.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.