Retail Store Insurance

Protecting your Store, your Stock, and your Success

Western Financial Group is an award-winning brokerage. We work with Canada’s leading insurance partners to get you the right coverage and value. We know how important it is to protect your Retail Store.

What is insurance for Retail Stores?

Retail insurance is a business insurance specifically designed to protect retail stores and retail-based businesses from the common risks they face; like theft, property damage, customer injuries, or employee issues.

Retailer insurance protects retail owners against risks that are associated with selling, distributing, and producing goods. Your retail policy can be customized to shopping in-store and shopping online.

Whether you run a clothing boutique, electronics shop, grocery store, or an online retail business, retail insurance helps cover the people, products, and property involved.

Our insurance expertise will benefit your Retail Store

We make the process easy by getting insurance quotes for you and giving you policy coverage options that you can choose for your Retail Store's specific needs.

Insurance gives retail stores a solid safety net, allowing them to operate with confidence. Whether it’s a slip-and-fall incident, a burst pipe, stolen inventory, or a lawsuit over a faulty product, the right coverage helps store owners bounce back fast without taking a financial hit.

Who needs Retail insurance?

Brick-and-mortar shops (clothing, furniture, books, etc.)
Grocery and convenience stores
Online retailers / eCommerce businesses
Wineries

Franchises or pop-up shops
Retail kiosks or mall stores
Gift shops
Liquor Stores

What kind of risks does commercial general liability cover?

Injury to another person who is not your employee
Damage to someone’s property
Damage to rented property
Medical bills if someone is injured
Legal and settlement costs of liability lawsuits filed against you
Liability lawsuits related to slander and libel

What other insurance coverages can I get for my Retail Store?

Commercial Property Insurance
Product Liability Insurance
Commercial Auto Insurance
Crime Insurance
Business Interrruption Insurance
Cyber Insurance

Is insurance required to open a retail store?

While not always legally required, many landlords, lenders, and vendors will require proof of insurance before you can sign a lease, get a loan, or stock certain products.

How much does retail store insurance cost?

It depends on:

Store size
Inventory value
Location
Number of employees
Type of products sold

Does it cover theft?

Theft of stock is generally covered under the coverage for stock section in a commercial property insurance policy, protecting your retail business from financial loss due to theft of inventory.

Will it cover damage from natural disasters?

It depends. Basic policies may cover wind or fire, but floods, earthquakes, and hurricanes often require separate add-on coverage.

Why choose Western?

When you get your insurance coverage through us, we will send you the certificate of insurance right away, so you can focus on what you do best. It’s easy, fast, and customized. Get an online quote, text, email, or phone call. Choose what works for you.

Get a Quote TODAY!