Small Business Insurance for your Retail Store 

You Provide What People Need and Want

Your customers come to you because of your products and rely on you for your expertise. That’s why it’s so important to have the right insurance coverage for your retail establishment. We understand the risks you face every day and offer competitively priced coverage that will help keep you and your store protected.

Some of the types of Retail businesses we insure include:

  • Appliances and Accessories
  • Auto Parts and Supplies
  • Bakery
  • Bicycle Shop
  • Book Store
  • Candy Store
  • Clothing Store
  • Florist
  • Furniture Store
  • Gift Shop
  • Hardware Store
  • Hobby and Craft Store
  • Pet Store
  • Shoe Store
  • Sporting Goods Store

Coverages

Your business is everything to you. Protecting it is everything to us. 

In addition to key coverages such as property and liability, we also offer coverages tailored for your retail establishment, including:

  • Brands and Labels
  • Business Income from Dependent Properties
  • Consequential Damage
  • Cyber Suite
  • Employee Dishonesty
  • Employment Practices Liability Insurance
  • Equipment Breakdown
  • Money & Securities
  • Outdoor Signs
  • Spoilage and Contamination
  • Professional Liability
    • Florist
    • Optical & Hearing Aid Establishments

Additional Coverages

Our coverage has evolved to help protect you from today’s concerns. Our additional coverage also includes:

  • Business Auto
  • Workers' Compensation

Eligibility Considerations

Eligible

Ineligible

  • Five locations or fewer
  • Antique stores
  • Property values per location of $5M or less
  • Auctioneers
  • Up to 50 employees 
  • Check cashing/money transfers
  • Gross sales per location of $6M or less 
  • Convenience food stores
  • 35,000 square feet or less 
  • Drug stores
  • Buildings less than 70 years in age OR with acceptable updates
  • Grocery stores
  • Two or fewer claims in the last three years 
  • Health or natural food stores
  • Products purchased from U.S. suppliers
  • New/used car dealers 
  • Year-round operations
  • Operations open past 12 AM
 
  • Pawn shops
 
  • Recreational vehicle (including boat) dealers 
 
  • Supermarkets 
 
  • Tobacco stores 

Are you a small business insurance agent? Grow your business with GuideOne. 

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