Industry guide
Insurance for retail stores
Retail insurance questions follow your customers, your stock, and your sales: injuries in the store, damage to inventory, income lost while closed after a fire or storm, claims about products you sell, and the card and customer data you handle.
Where insurance questions come from
Customers in the store
Slips, falls, and other injuries to shoppers are general liability claims.
Inventory
Inventory values often swing by season, which matters for property limits.
Products you sell
Claims about products, including ones you did not make, can fall under products liability within general liability.
Payments and data
Card payments and customer lists bring cyber questions.
Coverage that commonly comes up
- Business Owner's Policy (BOP)A common fit for small retail stores.
- General Liability InsuranceCustomer injuries and products claims.
- Commercial Property InsuranceInventory, fixtures, and business income.
- Cyber InsuranceCard payments and online sales.
- Workers' Compensation InsuranceStore staff.
This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your business, talk with a licensed insurance agent.
Paperwork customers and contracts ask for
- Lease insurance requirements
- Inventory records
- Vendor insurance requirements
Keep these together in your PolicyChecked account, so you can answer a certificate request in minutes.
Before your renewal or your next contract
What to check on your own policy
- Property limits that account for peak-season inventory
- Business income limits and waiting period
- Products liability for items you import or private-label
- Cyber coverage for card payments and online sales
- Lease requirements for limits and additional insureds
Not sure what your policy says?
Upload your declarations page. The free AI coverage check lists your coverages, limits, and deductibles in plain language and flags items to discuss with a licensed agent.
Check Your CoverageRetail Stores: common questions
Other industries we work with
- ContractorsLiability, vehicles, tools, and the certificates every general contractor asks for.Learn more
- Construction CompaniesLiability, builder's risk, and managing the insurance of every subcontractor you hire.Learn more
- Trucking CompaniesAuto liability, cargo, physical damage, and the filings your authority requires.Learn more
- RestaurantsGuests, kitchens, staff, and, if you serve alcohol, liquor liability.Learn more
- Landscaping CompaniesProperty damage on clients' lawns, trucks and trailers, mowers, and seasonal crews.Learn more
- HVAC ContractorsWork inside homes and buildings, service vans, and completed-work claims.Learn more
Know what you're covered for before you need it.
Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.