Retail Insurance Policy

Imagine that an electrical fire breaks out in the back office where you store your company's computer systems, your security camera equipment and your shop's extra inventory. Furthermore, our coverage extends some property and liability features during periodic overseas business travel. This form of cover typically includes:Inventory Protection: Retail shop insurance provides essential protection in the event of theft, fire or other covered perils; helping recover the value of lost or damaged inventory to restock your shelves as quickly as possible. Let a local agent from The Allen Thomas Group help you customize a plan for your business that can include a Business Policy, Commercial Auto, Workers' Compensation, business life, and retirement plans.
 Let a local agent from The Allen Thomas Group help you customize a plan for your business that can include a Business Policy, Commercial Auto, Workers' Compensation, business life, and retirement plans.


Protect your business when its employees, products or services cause harm to other people or their property. A commercial auto insurance policy is typically needed if you have a business vehicle, such as a delivery van. This type of insurance includes:Inventory Protection: In the unfortunate event of theft, fire, or other covered perils, retail shop insurance helps you recover the value of lost or damaged inventory, allowing you to restock your shelves. This type of insurance includes:Inventory Protection: In the unfortunate event of theft, fire, or other covered perils, retail shop insurance helps you recover the value of lost or damaged inventory, allowing you to restock your shelves.

Retail stores require a Business Owner's Policy that protects them against general liability and property, such as building itself and contents within it, stock either on or away from premises and loss of income. Employment Practices Liability+ (EPL+) covers you against claims alleging discrimination or wrongful termination as part of its coverage. At The Allen Thomas Group Group Insurance Services, we provide protection for a range of vehicles and trailers commonly found within retail businesses. At The Allen Thomas Group Group Insurance Services, we provide protection for a range of vehicles and trailers commonly found within retail businesses.

When filing claims with your insurance company for damage to items purchased and paid for through purchases and payments, having records outlining what has been purchased helps your adjuster assign value to what needs replacing. General liability coverage offers protection when customer property is damaged, such as when someone in your jewelry store asks you to change out a battery in a watch they bought from them. Depending on the policy, those incidents might include weather-related damage, malfunctions in utilities, theft, vandalism and other manmade problems. Depending on the policy, those incidents might include weather-related damage, malfunctions in utilities, theft, vandalism and other manmade problems.

Retailers usually acquire general liability and product liability policies to protect themselves against customer injuries caused by products sold. Accidents involving customer property may arise at any small retail business. Employee injuries or inventory damage may arise at any retail business. Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism - keeping you running with confidence! An agent might suggest employment-related practices insurance to cover your company in the event of a wrongful termination lawsuit, or liquor liability insurance that can protect your company against claims resulting from alcohol being served at your business.
 An agent might suggest employment-related practices insurance to cover your company in the event of a wrongful termination lawsuit, or liquor liability insurance that can protect your company against claims resulting from alcohol being served at your business.


Competitive RatesWe understand that cost is a significant factor when choosing insurance. When you're ready to buy retail insurance, reach out to an agent at The Allen Thomas Group about your coverage options. Liability coverage would cover those costs. If you operate a small retail shop, combining general liability and commercial property coverage into one Business Owner's Policy may save money compared to purchasing both policies separately. If you operate a small retail shop, combining general liability and commercial property coverage into one Business Owner's Policy may save money compared to purchasing both policies separately.

Retailers know there is no such thing as one size fits all coverage - tailor it specifically to fit your particular business. Your products-completed operations coverage likely includes this policy to protect you against lawsuits alleging defective products and workmanship issues, while advertising injury lawsuits could become an added risk for retailers that engage in advertising campaigns. Many landlords also require proof of insurance before renting commercial space. Helps pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own while on company time at your retail store. Helps pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own while on company time at your retail store.

General liability coverage helps shield your business from covered claims and lawsuits that stem from your everyday business operations. Liquor liability insurance: If your shop sells alcohol, liquor liability coverage will likely be essential in meeting state dram shop laws and protecting against lawsuits. Every business is exposed to different types of risk, so costs vary from business to business. Protect yourself as an employer. Protect yourself as an employer.

Paired with property coverage, this coverage reimburses any income lost during a covered event like fire, windstorm, hailstorm or vandalism that temporarily shuts down operations - for instance due to hailstorm damage repair costs. It covers medical costs for work-related injuries. Retail shop owners require specific coverage that reflects their line of work. Retail shop owners require specific coverage that reflects their line of work.

If you employ full-time or temporary employees during the holiday season, or are required by law to provide them with workers comp coverage, providing it is worth considering as an added layer of protection both for yourself and for them. We explore how small to mid-sized companies are vulnerable, what's at stake and ways they can be protected against hacking attacks and data breaches. We explore how small to mid-sized companies are vulnerable, what's at stake and ways they can be protected against hacking attacks and data breaches.

Each piece represents a different aspect of your operation, from your physical store to your employees, inventory, and liabilities. Can I bundle different types of retail insurance? Can I bundle different types of retail insurance?

Liability insurance typically won't cover employee injuries, employee disputes, or damage to company vehicles. If your watch becomes accidentally scratched during production, general liability insurance can help cover the cost of repair or replacement as well as legal expenses associated with any potential customer lawsuits, such as hiring an attorney. If your watch becomes accidentally scratched during production, general liability insurance can help cover the cost of repair or replacement as well as legal expenses associated with any potential customer lawsuits, such as hiring an attorney.

Workers compensation insurance ensures they can access necessary medical care and wage replacement should an injury occur in the workplace. In this article, we'll delve into the world of retail business insurance, exploring the ins and outs of securing your store, shop, or online retail business. We believe in a hands-on, personalized approach to ensure you're covered for all contingencies. Cyber insurance protects against losses caused by data breaches while guaranteeing the privacy and protection of customer sensitive information.
 Cyber insurance protects against losses caused by data breaches while guaranteeing the privacy and protection of customer sensitive information.


Prices vary based on how you buy.
 You can customize liability insurance to cover unique aspects of your business by adding umbrella policies. The Allen Thomas Group excels in all these aspects. The Allen Thomas Group excels in all these aspects.

Building coverage protects damage to buildings and personal property while liability coverage guards against possible lawsuits from third-parties. This policy add-on can cover loss of income or an increase in expenses that results from covered damage to another organization that your company depends on for supplies or services.
 Be it occasional employees traveling off-site for meetings or a fleet of drivers transporting products daily, protect your business on the road from liability risks should an employee file an employment practices complaint against you. Be it occasional employees traveling off-site for meetings or a fleet of drivers transporting products daily, protect your business on the road from liability risks should an employee file an employment practices complaint against you.

Retail business insurance is the glue that holds these pieces together, ensuring that even if one piece goes missing, your entire enterprise doesn't crumble. Which factors affect my retail insurance premium? Loss of Income Coverage: When disasters strike, and your store needs repairs, you may lose income during the downtime. Loss of Income Coverage: When disasters strike, and your store needs repairs, you may lose income during the downtime.