Small Business Insurance
for Retail Stores

AmTrust has the protection retail stores need to cover them from a variety of risks. Connect with an AmTrust-appointed agent to get a quote.

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Small Business Insurance for Retail Stores

The retail industry faces hazards that can lead to injuries, illnesses, property damage, loss of income and more. Retail store owners need customized small business insurance coverage to protect them from the unexpected.

What is Retail Business Insurance?

Retail sales in the United States continue to grow, with sales totaling over $6 trillion dollars in 2021. Both ecommerce and in-store sales have increased, however, in-store sales have been climbing even more as the world rebounds from the COVID-19 pandemic. Employees of retail stores face various risks as they complete their daily duties, from slip and fall hazards to ergonomic injuries.

Retail is one of the key industries that AmTrust writes, and we make it our priority to provide the customized small business insurance solutions your retail operation needs to thrive. Protect your retail business with a tailored policy created specifically for your needs.

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Types of Retail Insurance Coverages

AmTrust provides coverage tailored to the needs of retail companies. Our Retail Insurance policies can be written as a package or monoline.

Workers' Compensation

Workers' Compensation: Provides benefits to employees who are injured in the workplace, addressing medical care and related costs, retraining and lost wages, or compensation for permanent disability.

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Commercial Property

Commercial Property Insurance is crucial for your retail business. It protects your building, contents, business income, and rental income from commonly experienced losses, including fire, explosion, pipe bursts, storms, theft, vandalism, and flood and earthquake (when this type of coverage has been added to the policy).

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Cyber Insurance

Cyber Insurance: Retail stores can easily fall victim to a cyber attack where sensitive data like credit card numbers and personal information of customers is compromised. Cyber insurance can help cover those losses.

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Employment Practices Liability Insurance

Employment Practices Liability (EPLI): Protects small and mid-sized businesses in the event of employment-related claims, such as wrongful termination, sexual harassment and alleged discrimination.

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Business Interruptioin

Business Interruption: If an unforeseen event such as a storm or cyber attack interrupts the way your store does business, business interruption coverage can help replace the money you may have lost during your downtime.

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Businessowners Policy

Businessowners Policy (BOP): A type of commercial insurance that bundles individual coverages, such as general liability and commercial property, into one policy.

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AmTrust’s Preferred Exposures for the Retail Industry

Our list of preferred retail industry businesses includes, but are not limited to:

Clothing stores
Supermarkets
Department stores

Jewelry stores
Bookstores
Electronic stores

Pet stores
Shoe stores
Wholesale industry

Resources for Agents

BOP Sell Sheet
AmTrust’s Businessowners Policy (BOP) can be easily tailored to a retail store’s specific risks, issued as a stand-alone product or as a complement to our other coverages, such as Workers’ Compensation.

Workers’ Compensation Sell Sheet
AmTrust is one of the nation’s largest writers of Workers’ Compensation insurance for small businesses across multiple industries, including the retail industry.

Preferred Commercial Package Policy Sell Sheet
Retail centers are one of our preferred classes of business, and our coverage now features expanded terms and conditions for preferred properties across the country.

Cyber Insurance Sell Sheet
Our cyber liability insurance is specifically tailored to protect small businesses against cyber fraud and security breaches.

EPLI Sell Sheet
AmTrust’s EPLI product offers comprehensive coverage, is competitively priced and provides free risk and employee management services.

More retail business insurance resources:
AmTrust’s Retail Risk Report
PolicyWire Blog – Retail
Business Class - Retail

What is a retail insurance policy?

Retail business insurance protects your establishment against certain liabilities you face in your day-to-day operations. For example, the different types of retail insurance can provide coverage for claims from a customer slip and fall on your property, damage to your inventory, employee injuries and more.

What kind of insurance do I need for a retail store?

The minimum retail insurance needed includes:

General Liability – Coverage for claims involving bodily injury, personal injury or property damage
Commercial Property – Protects your business from damage due to natural disasters, fire or theft
Workers’ Compensation – Provides benefits to employees who are injured at the workplace

These coverages can usually be bundled into one policy, known as a businessowners policy (BOP). Additionally, other common types of retail business insurance include cyber insurance to protect yourself from the costs incurred due to a data breach or cyber attack, business interruption insurance, and employment practices liability insurance (EPLI).

What types of businesses should have retail insurance?

No matter what your product offerings may be, if you're a retail shop owner, you need business insurance. From florists and pet stores to auto parts shops and supermarkets, you need retail insurance to keep your business protected should something go wrong.

How much does retail insurance cost?

The cost of retail insurance varies widely depending on the specific risks facing your establishment. Every business is exposed to different types of risks, and your final rate is dependent upon several factors. For instance, the location of your business, the products or services provided, how many workers you employ, and so on. It’s important to work with a qualified agent who can help customize the right retail business insurance coverage for your specific needs.

What are the steps for obtaining retail insurance for your business?

The first step to getting retail business insurance coverage is to connect with an AmTrust appointed agent. Your agent will help you understand your risks and the coverage you need. Coverage with AmTrust can be quoted and bound in minutes, giving you protection quickly!