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Retail Business Insurance

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Multiple coverage options to choose from

Retail Business Insurance

Stay focused on your customers and your business, knowing that your store is protected with comprehensive retail business insurance.

Retail Business Insurance

Running a retail business comes with unique risks and challenges, so having the right insurance coverage is essential. At our Insurance Agency, we offer customizable Retail Business Insurance policies designed to protect your business from unexpected events that can cause financial loss.

Coverage Options

Our Retail Business Insurance policies are customizable to fit your specific needs and budget and can include coverage options such as:

  • Property Damage Coverage: This option compensates for damage to your retail business property caused by covered events such as fire, theft, or natural disasters.
  • Liability Coverage: This option protects your business from financial loss due to lawsuits or claims filed against your business by customers or other parties.
  • Product Liability Coverage: This option protects your business from financial loss due to lawsuits or claims filed against your business for products sold or distributed by your business.
  • Business Interruption Coverage: This coverage option compensates for the loss of income due to unexpected events that cause your business to temporarily close or stop operations.
  • Customizable Options: Every retail business is unique, so we offer customizable coverage options. You can tailor your Retail Business Insurance policy to cover specific risks, such as cyber liability, employee theft, etc.

Benefits of Retail Business Insurance

There are many benefits to having Retail Business Insurance, including the following:

  • Protection against financial loss: Unexpected events such as property damage, liability claims, and business interruption can result in substantial financial losses. Retail Business Insurance provides coverage to help offset these losses.
  • Peace of mind: Retail Business Insurance gives you peace of mind knowing you have coverage to protect your business from unexpected events.
  • Experienced Professionals: Our Insurance Agency has a team of experienced professionals who understand the unique risks of running a retail business. We can help you design a Retail Business Insurance policy that provides the protection you need to safeguard your business.

Contact us today to learn more about our Retail Business Insurance options and how we can help protect your business.

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General liability
Commercial property
Data Breach
Employment Practices liability
Workers’ Compensation

General liability coverage

Risk Factors

If a customer slips and gets hurt while shopping in your boutique or your employee breaks a customer’s phone while helping them make a purchase, you can be liable for the damages.

Solution

General liability helps to protect your retail business from lawsuits claiming you’re responsible for an injury or property damage. In addition, general liability insurance can help cover medical costs or replace damaged items.

Commercial property coverage

Risk Factors

Commercial property insurance can help protect where you run your retail business.

Solution

It helped cover your business’ inventory and owned or rented equipment, including Rolling crates, Shelves, Computers, and Cash registers.

Data breach coverage

Risk Factors

Retail businesses often collect sensitive employee and customer information including Credit card numbers. The loss or theft of that information could leave your store open to lawsuits and damage your reputation.

Solution

Data breach coverage helps pay the costs that result when personally identifiable information is lost or stolen, including Notifying impacted individuals, Managing public relations and Good faith advertising.

Employment Practices liability coverage

Risk Factors

Retail businesses may face claims from current or past employees over issues such as Harassment, Wrongful termination, Wrongful failure to promote and many more.

Solution

If an employee sues you for discrimination, your retail business may face significant costs for your legal defense. But EPL can help your business cover those costs.

Workers’ compensation coverage

Risk Factors

If an injured employee’s family decides to sue you, you may end up paying for legal expenses from your pockets.

Solution

Required by most states, workers’ compensation insurance provides benefits to employees for work-related injuries or illnesses. These benefits include Medical care, Wages from lost work time, Funeral costs and Disability care.

Already have Retail Business Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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