Retail Insurance

Who we cover

If customers walk through your door and exchange money for goods, the structure of your insurance should match the type of inventory you carry and the volume of foot traffic.

• Independent storefronts (clothing, books, gifts, hardware)
• Convenience and grocery stores
• Specialty retail (jewelry, electronics, art, antiques)
• Multi-location chains and franchises
• Pop-up shops and seasonal retailers
• Combined retail + service (salons, repair shops)

What's typically included

Retail policies almost always pair commercial general liability with property, then layer on coverages specific to your category, high-value inventory floaters for jewelers, spoilage for grocery, and so on.

• Commercial general liability (slip-and-fall, advertising injury)
• Contents and stock at replacement cost
• Crime and dishonesty (employee theft, robbery, forgery)
• Glass and signage coverage
• Business interruption with utility shutdown extension
• High-value inventory floaters where applicable
• Cyber and POS breach coverage

This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.

What moves the premium

Underwriters look at what you sell, where you sell it, and how secure the location is after hours. A clean claims history is worth a lot.

• Annual revenue and number of locations
• Inventory type and average stock value
• Security: alarms, cameras, after-hours protocols
• Location: street-front vs. mall vs. strip plaza
• Claims history
• Whether you have employees and at what volume