Let's build the right retail store business policy for you

Retail stores need insurance to protect against financial losses that can occur from a variety of accidents and mishaps. Insurance can help cover the costs of property damage, theft, liability, and employee injuries.

Whether you run a clothing boutique, antique shop or gift store, we know you work hard each day. We also know the risks you face. That’s why we offer insurance coverages that can help keep you and your employees safe on-the-job.

Why Is Business Insurance for Retailers Important? Running a retail business can be stressful. We know you face risks every day – from customer slip and falls to employee accidents.

Taking Care of Your Retail Team You rely on your retail workers to keep your business running successfully. Whether they’re helping customers, restocking shelves or organizing merchandise, we know you want to keep them protected. Our retail insurance can help keep your team covered on the job.

Employee Injury

“One of my employees was carrying a box of new books to put on display. When she put the box down, she felt a pop in her back. She needed physical therapy to help it heal.”

Harassment Claim

“We hired a few cashiers for the holiday season. One of them quit after the first day, claiming my store manager inappropriately touched her.”

Employee Car Accident

“As a small gift shop, we offer in town delivery. During a busy Mother’s Day weekend when I was out delivering gifts, someone rear-ended me, knocking off my bumper.”

Examples of Retails Business that qualify for insurance include:

• Jewelry stores
• Florists
• Pet stores
• Clothing & apparel stores
• Grocery & liquor stores
• Electronics store
• Fast Food Restaurants
• Home and garden
• Food Vendor
• Food trucks

Here are many distinctive features available in the Retail Business Insurance Policy:

• Property – To protect your business building(s), contents, and equipment from a covered accidental direct physical loss.
• Liability – To protect yourself financially against costly claims and lawsuits covered under the policy.
• Loss of Income – Covers the actual loss of business income caused by a suspension of operations because of covered accidental direct physical loss to the insured premises, including any extra expense incurred to the extent it minimizes the loss of income.
• Computer Property – Provides broad coverage, with certain exclusions, for computer equipment used in your business operations, including computers, computer peripherals, computer cables, and software.
• Equipment Breakdown – Provides coverage for damage to covered property caused by mechanical breakdown of covered equipment, and artificially generated current damaging covered equipment.
• Employee Dishonesty – Protection against direct physical loss to business personal property including money and securities resulting from dishonest acts committed by employees.
• Brands and Labels – Provides coverage for the cost to remove brands and labels and/or stamp salvage on merchandise that has been damaged by a covered cause of loss.
• Utility Interruption Loss of Income – Coverage for loss of income caused by the necessary suspension of your business due to failure of communications, water, natural gas, or electrical service to the premises.
• Signs – Coverage for accidental direct physical loss to signs attached to buildings (whether indoor or outdoor) and to outdoor signs not attached to buildings at the described premises owned by you or in your care, custody or control.

Customize your coverage

• Data Compromise and Identity Restoration – Provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft.
• Hired Auto – Helps to protect for insured's legal liability arising out of the maintenance or use of a hired auto by the insured or insured's employees.
• Ordinance or Law – Covers the loss in value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damaged buildings caused by an insured loss.

At Angel Family Insurance we are committed to helping you find the right insurance coverage at the best price. We are an independent insurance broker with options for you.

Our experienced, local insurance agents, take the time to assess your individual needs and develop a policy that fits your budget.