Retail Store Business Insurance
Protect your retail store business insurance, whether online or brick-and-mortar, with tailored insurance coverage. From shoplifting and customer injuries to product liability and cyber threats, get policies that safeguard your business, inventory, and employees. Compare quotes, bundle plans, and stay secure with cost-effective solutions.
Choose the right coverage from trusted insurance providers.
Top retail stores we insure
- Amazon sellers
- Antique stores
- Appliance stores
- Art, craft, and hobby supply stores
- Auto parts stores
- Beer, liquor, and wine stores
- Bike shops
- Book and record stores
- Bridal shops
- Butcher shops
- Candle shops
- Candy stores
- Carpet stores
- Cell phone stores
- Clothing stores
- Computer and electronics stores
- Consignment and thrift stores
- Convenience stores
- Cosmetics stores
- Crafters and artisans
- Dispensaries
- eBay sellers
- E-commerce and online retailers
- Etsy sellers
- Fabric stores
- Florists
- Furniture stores
- General stores
- Gift shops
- Grocery stores
- Hardware stores
- Home decor stores
- Jewelry stores
- Luggage stores
- Mall kiosks
- Music stores
- Office equipment and supplies stores
- Paint and wallpaper stores
- Party supply stores
- Pets and pet supplies
- Pharmacies and drugstores
- Picture framing stores
- Shoe stores
- Shopify sellers
- Smoke, tobacco and vape shops
- Specialty food stores
- Sporting goods stores
- Toy and game stores
- Upholstery shops
- Vending machine operators
- Vitamin stores
- Walmart sellers
- Wayfair sellers
- Window shade, blind, and curtain stores
Don't see your profession? Don't worry.
We insure most businesses.
Must-Have Insurance for Retail Business Owners
Running a retail business, whether it’s a smoke shop, boutique, or electronics store, comes with unique risks like theft, accidental injury, or unexpected lawsuits. Based on my experience helping retailers manage coverage, I always suggest choosing insurance that reflects your store’s specific vulnerabilities. With platforms like Eagle Nation, it’s easy to find tailored coverage that protects everything from your inventory to customer safety, ensuring you stay open and financially secure through any crisis.
Business owner’s policy
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Commercial umbrella insurance
A policy like this boosts coverage by increasing the limits of general liability insurance, commercial auto insurance, and employer’s liability insurance. It helps protect businesses from expensive lawsuits related to multi-vehicle auto accidents, customer injury lawsuits, and employee injury lawsuits.
Under this plan
Customer injury lawsuits
Employee injury lawsuits
Multi-vehicle auto accidents
Commercial auto insurance
Under this plan
Weather damage
Vandalism and theft
Car accident repair costs
Cyber insurance
A policy like this helps protect automotive businesses from financial loss after data breaches or cyberattacks. It’s recommended for any business that stores customer credit cards or other personal information.
Under this plan
Fraud monitoring services
Data breach investigations
Customer notification expenses
General liability insurance
Under this plan
Accidental vehicle damage
Customer injuries at a repair shop
Slander and other advertising injuries
Worker’s compensation insurance
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits over employee injuries
How Much Does Insurance Cost for Retail Stores?
Retail insurance costs vary based on the store’s operations, but in my experience, smaller shops usually pay less than larger ones. The price of coverage often depends on factors like:
- The types of retail products and services offered (e.g., thrift stores, grocers)
- Business equipment and property
- Annual business revenue
- Business location
- Number of full-time, part-time, and seasonal employees
All of these play a key role in determining your store’s risk profile and insurance rate.
How Do I Get Retail Store Insurance?
Getting retail store business insurance is simple and fast. Whether you run a florist, pet store, or bridal boutique, just gather a few business details like annual revenue and payroll. You can secure coverage in three easy steps:
Complete a free online application
Compare quotes and choose the best policy
Pay and download your certificate of insurance
Eagle Nation’s licensed agents partner with top-rated U.S. carriers to match your retail business, whether online or in-store, with the right insurance.
What Other Insurance Policies Do Retailers Need?
- When I started my retail store business insurance, I thought just a basic insurance policy would be enough. But as the business grew, new risks emerged—like equipment failures or accidents involving rental vehicles.
- For certain locations and landlords, liability insurance may be required before you can even sign a lease.
- Electronic data processing (EDP) insurance became important for us because our entire business relies on our POS systems and computers. This coverage protected us when a power surge or natural disaster caused our systems to crash.
- Equipment breakdown coverage protected us when our cooling unit stopped working due to a short circuit. Standard commercial property insurance wouldn’t have covered this type of malfunction, making this coverage essential.
- If your staff ever uses rented or personal vehicles for business purposes, you should consider hired and non-owned auto (HNOA) insurance. This coverage protects you from liability in case of accidents involving those vehicles.
- If you provide consultancy or services, professional liability insurance (also known as errors and omissions (E&O) insurance) is essential. It protects you from lawsuits filed by clients for “unsatisfactory work.”
- These types of coverage can be bundled together in a BOP (Business Owner’s Policy). This provides more comprehensive coverage while also helping you save money.
Two ways to start your coverage
Quotes online
Talk to an agent
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
Common Questions About Retail Business Insurance
Yes, stores can be financially protected from shoplifting losses with the right insurance policies. While theft is hard to eliminate entirely, these coverages can help you recover:
- Commercial property insurance: Covers stolen inventory, equipment, and furnishings after a theft. It protects your business assets, whether you own or lease the space. You can bundle it with general liability in a business owner’s policy (BOP) for cost savings.
- Fidelity bonds (Employee dishonesty coverage): Protects your business from theft committed by your own employees. This type of commercial crime insurance ensures you’re covered from internal losses.
Yes, retailers can be held legally responsible if a defective product they sell causes harm. Even if you didn’t make the product, you're still part of the supply chain and could face a lawsuit.
To protect your business, consider these insurance options:
- Product liability insurance: Covers claims of injury or damage caused by defective products you sell. If your general liability policy excludes product-related incidents, add this as a rider for extended protection.
- Product recall insurance: Helps cover the cost of notifying customers and safely disposing of faulty items. Typically added as an endorsement to your existing policy.
When I had to temporarily close my store after a pipe burst caused damage to the building, I realized how important it is to have the right insurance in place. For any small business, especially in retail, business interruption insurance (also known as business income insurance) can be a game-changer.
It compensates owners for loss of income and other operating expenses when a fire, natural disaster, or similar incident makes it impossible to open the doors. This kind of coverage is part of a strong management plan, and it also supports relocation costs, employee wages, taxes, loan payments, and even rent or lease payments while you're out of action.
I once had to file an insurance claim and found out that my inventory and equipment were fully covered, which saved my business. Typically, this type of policy offers support for up to 12 months of lost income, giving you the breathing room to rebuild and keep your employees on payroll.
Just make sure you read your policy carefully so you understand your benefits and how long they last. Having this coverage in your back pocket helps reduce risk and gives real peace of mind when the unexpected hits.
"As a small clothing store owner, this insurance guide helped me understand exactly what my business needs. I was able to get coverage tailored to my store's specific risks, from theft to product liability, and now I feel secure knowing I'm fully protected."