General Liability
Customer injuries and other third-party claims on your premises.
Protecting storefronts, inventory, and the customer and payment data that flow through them.
Retailers manage foot traffic, inventory, and increasingly the payment and customer data that comes with every sale. Premises liability, theft, product exposure, and business interruption are core concerns — whether you run one storefront or many.
We tailor retail programs to how you actually operate, with attention to seasonal inventory swings, crime exposure, and the payment-data risk that now sits behind every register.
Request a coverage reviewThe core protections we typically structure for businesses like yours:
Customer injuries and other third-party claims on your premises.
Your building, fixtures, and inventory against fire, theft, and other loss.
Income protection when a covered loss forces you to close.
Employee dishonesty, burglary, and money-and-securities coverage.
Claims arising from the goods you sell.
Payment-card and customer-data breach exposure, including PCI assessment exposure where insurable.
No two operations are identical. If there's a risk specific to your business, we can structure coverage for it.
Talk to an advisorThe details that decide whether a policy actually protects you when it matters:
Holiday and seasonal inventory can far exceed your everyday limit — a peak-season endorsement closes the gap.
Employee-dishonesty and money limits are often low by default. Right-size them to your real cash and inventory.
Know who's responsible for defective goods, and secure additional-insured status from your suppliers.
Underinsuring your property triggers a penalty at claim time — even on a partial loss.
A card-data breach carries fines and remediation costs well beyond the breach itself.
Each location should be properly scheduled so business interruption responds correctly everywhere.
Typically general liability, commercial property and inventory, business interruption, crime/theft, product liability, and cyber liability for payment-card and customer data.
Cyber liability covers breach response and notification. Whether card-brand (PCI) assessments are covered depends on the policy form, so confirm it where it is insurable.
If you insure property for less than the required percentage of its value, a co-insurance penalty can reduce your payout — even on a partial loss.
Tell us about your operation and a specialist will identify your real exposures and structure smart, competitive coverage around them.