Insurance Analysis

Retail Store Insurance

At Keystone Insurers Group, we understand and appreciate that it takes time, determination, patience, and persistence to start and grow a retail establishment.   And we whole-heartedly believe that you must protect your business as best you can after pouring all that love and hard work into it.  We can offer income loss in our retail insurance policies to ensure your business can keep going, even if a disaster should strike.

Retail establishments all have the same, basic insurance needs, whether you’re peddling books, clothing, jewelry, plants, gifts, shoes, pottery, or something else.  Naturally, your inventory requires protection from the most common dangers, including theft, fire, and natural disasters.  For retail store fronts, it’s also essential to have insurance protecting your customers, who could get hurt while they are inside your business.

The best and simplest way to obtain property and liability insurance for your retail business is through a business owners policy (BOP) specifically tailored to a smaller retail store.  Policies will typically have provisions similar to the property insurance and liability insurance sections of the BOP, with the option to add additional coverages that may be needed.  Example add-ons would include coverage for equipment breakdown, food spoilage, business interruption, or commercial auto insurance.

Commercial property insurance protects your retail business assets – and in some cases personal and other property – from workplace loss. The retail insurance rates, as well as policy terms, vary depending upon a variety of factors, including the location of your business and the amounts of both real estate and tangible property involved.  As you review and compare commercial property insurance quotes, it’s important to ensure that you are comparing apples to apples, with quotes for equal coverage’s from all insurers.  We can help you accurately evaluate your options to find the best coverage for your unique business.

Are you interested in evaluating your current coverage or do you need to create a new retail insurance policy?  Give us a call today for a free quote – 814-629-5607!