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
Retail shop insurance is a set of business insurance policies that protect retail store owners from common risks such as customer injuries, property damage, theft, employee accidents, and business interruptions.
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.
It depends on:
- Store size
- Inventory value
- Location
- Number of employees
- Type of products sold
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.
It depends. Basic policies may cover wind or fire, but floods, earthquakes, and hurricanes often require separate add-on coverage.
Why Choose Western?
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