Retail Business Insurance
Comprehensive protection for retail stores and shops. From customer injuries to inventory theft, we cover the unique risks of your retail business.
Coverage Types for Retail Businesses
Build a comprehensive insurance package that protects every aspect of your store.
Business Owners Policy (BOP)
Bundled coverage combining property and liability at a great value for retail stores.
General Liability
Covers customer injuries, product liability, and advertising injury claims.
Workers Compensation
Required in Florida for retailers with 3+ employees. Covers employee injuries on the job.
Commercial Property
Covers your building, fixtures, equipment, and inventory against fire, theft, and storms.
Business Interruption
Covers lost income and operating expenses if your store must close after a covered loss.
Product Liability
Protects against claims from defective products you sell that cause injury or property damage.
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Common Retail Business Risks
Understanding these risks helps you choose the right coverage.
Why Choose Greene & Associates?
Customer Traffic Protection
Comprehensive slip-and-fall and product liability coverage to protect against customer injury claims.
Inventory Coverage
Flexible policies that adjust for seasonal stock fluctuations, ensuring you're never over or under-insured.
Theft & Shrinkage
Protection against employee dishonesty, shoplifting, and inventory loss with comprehensive crime coverage.
Frequently Asked Questions
What insurance do I need for my retail store in Florida?
At minimum, you need general liability, workers compensation, and commercial property. Most retail stores benefit from a Business Owners Policy (BOP) which bundles property and liability at a better rate. If you sell products, product liability coverage is essential.
Does retail insurance cover theft?
Commercial property insurance covers theft of inventory and equipment, subject to your policy limits and deductibles. However, there's typically no coverage for shoplifting losses (that's just a cost of doing business). Employee theft may be covered under crime insurance, which you can add to your policy.
How much does retail business insurance cost?
Costs vary based on your store size, inventory value, number of employees, and coverage needs. Most small retail stores pay $2,000-6,000/year for comprehensive coverage. High-value inventory or larger stores will be at the higher end.
Do I need product liability insurance if I resell products?
Yes, product liability is crucial for any retailer. If a product you sell causes injury or property damage, you can be held liable even if you didn't manufacture it. Product liability coverage protects you against these claims.
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