Retail Insurance

Retail business insurance protects you against liabilities like customer slips and falls, property damage, theft, and employee injuries and illnesses. Stores who’ve experienced problems like these could tell you how important it is to have the right coverage with adequate limits.

You can get retail insurance through the Progressive Advantage® Business Program. Our team of experts can help you get customized coverage for your business.

Here’s a few businesses that should have retail insurance:

  • Jewelry stores
  • Florists
  • Pet stores / Pet shops
  • Clothing & apparel stores
  • Grocery & liquor stores
  • Electronics stores
  • E-commerce
  • And many more!

Retail store insurance cost

Every business is exposed to different types of risk, so costs vary from business to business. Your final rate depends on the unique qualities of your business including your building, location, personal property, employees and other rating factors.

For example: A small e-commerce retailer without employees or a storefront can expect their insurance to cost much less than a brick-and-mortar retailer with multiple employees.

The only way to know your rate is to get a quote based on the details of your business.

Common types of retail insurance

  • General Liability: An essential coverage for retailers. It protects against lawsuits and other financial liabilities that result from a variety of incidents like customer injury.
  • Business Owners Policy (BOP): Protects your storefront, other commercial buildings and personal property.
  • Workers’ Compensation: Coverage if your employees become ill or injured while on the job.

Other coverage you might need

  • Commercial Auto: Typically needed if you have a business vehicle, such as a delivery van. We offer protection for a variety of vehicles and trailers common to retail businesses.

Get a free quote today

Our in-house specialists will help connect you with one of our trusted business insurance providers for a personalized retail insurance quote. We also have a team of licensed commercial auto agents who can insure your work vehicles.

Related information