Insurance for Shop, Store &
Retail
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Why do Shops, Stores & Retail outlets need it?
Shops, stores and retail outlets are the heart of America’s small businesses. Your success and the goods you sell are helping fuel our economy. That’s why you need to focus on running your business and allow an expert to help you protect your business assets. BizInsure is where shops, stores and retail owners go to obtain dependable and affordable insurance tailored to your needs. Click or Call us today to obtain a free quotation.
Did you Know?
Many landlords require the tenant to have General Liability insurance. Landlords may also need to be noted as an additional insured on the insurance policy.
Shop, store & retail insurance covers a broad range of professions.
We help insure many Shop, Store & Retail businesses including (but not limited to):
| Antique Shops | Hardware Stores |
| Art Galleries | Liquor Stores |
| Book and Magazine Stores | Retail Stores |
| Candy Stores | Shop Owners |
| Clothing Stores | Toy Stores |
| Florists | Variety Stores |
| Gift Shops | And many more… |
General Liability– Shop, Store & Retail
Considered to be the most basic form of business insurance and one that is often required by a contract (lease, supplier, bank, etc.), General Liability is the foundation for protecting your business assets.
A General Liability policy protects against claims of bodily injury or property damage from non-employees. The claims can be related to your business operations or your products. When these claims are related to your products, it is often referred to as Products Liability.
A General Liability policy typically also protects against claims related to the advertising or promotion of your business (advertising injury claims) and claims related to potentially offending, libelling or slandering someone else (personal injury claims).
Business Owner’s Policy (BOP) – Shop, Store & Retail
A Business Owner’s Policy (BOP) is a convenient and affordable way for shops, store and retail owners to protect against several of their most common exposures. This type of package is how most businesses in your industry decide to purchase their insurance.
A BOP includes General Liability (as above), plus it allows you to cover your business property including your inventory, furniture, equipment and building improvements. It also allows you to add coverage for business interruption, employee dishonesty, non-business owned auto liability and more.
Businesses operating as shops, stores and retail outlets frequently invest heavily in equipment and merchandise, so a BOP can be essential protection against unexpected fire, theft, vandalism, etc. in addition to your common liability exposures.
