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Specialized Insurance for Retailers

Regardless of the type of business you operate, you need the right insurance coverage. We are here to provide you with the tailored insurance package to fit your needs.

What is Retailer Insurance, and why do you need it?

Retail Insurance is an insurance policy specially designed for small business owners to protect them against specific risks they may encounter on the job, such as third-party injuries and lawsuits.

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You work hard for your business, let us work hard to protect it.

What Does It Cover?

Retail Insurance protects your company against specific risks associated with running a business, such as third-party damage and theft.

A comprehensive policy will typically include the following:

  1. Commercial General Liability (CGL)
  2. Coverage for Products
  3. Completed Operations Liability
  4. Errors and Omissions

 

Who Needs Retail Insurance?

If you own a business, there are always risks in the industry you operate, such as third-party injuries, cyber-attacks, property damage, and thief.

Retail Insurance will provide the coverage and protection should you or one of your employees be named in a lawsuit.

Whether you operate your business out of your home, rent, lease or own a commercial space, Retail Insurance will protect you and your company.

Some of the businesses we insure include:

  1. Fashion Boutiques.
  2. General Stores
  3. Grocery Stores
  4. Craft Shops
  5. Antique Stores

  

What Does It Cost?

The cost of Retail Insurance is not significant and varies depending on a number of factors. ​

The following factors are typically taken into consideration when determining your premium:

  • Industry and Services Offered​
  • Years of Experience​
  • Number of Employees​
  • Annual and Projected Revenue​

We have access to many different insurance providers and can therefore offer you different options to ensure the best coverage at the best price.

Request a Retail Insurance Quote
Common claims scenarios

Situation:
You own a general store in a small town in Atlantic Canada. During a big winter storm, you are forced to close for one week. Resulting in a loss of revenue,

Outcome:
Your Business Interruption Insurance will protect your business in the case of lost revenue.

Situation: 
You own and operate an upscale fashion boutique. For payment you accept cash and credit. You are the target of a cyber attack you steals your clients credit card information.

Outcome: 
Your Cyber Insurance would protect your business and coverage the costs associated with the breach.

Situation: 
You own and operate a small store front business. During a snowstorm someone slipped and fell in your store. This fall resulted in a broken arm.

Outcome:
Your Commercial Liability Insurance will protect you if you are proven negligent for not providing a safe passage for your customers.

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