We find the right retail insurance that protects your business against theft, product malfunctions and other unforeseen events.
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What is Retail Insurance?
Whether you run a retail business in-store, online, or from home, you run the risk of claims alleging defective products or client injuries.
Retail insurance provides financial coverage for claims or lawsuits related to your products and business operations.
Who needs Retail Insurance?
Any individual or businesses that sells, develops, or manufactures products should protect their business with a Retail Insurance policy package.
We’ve insured more than 1,000 retailers. Some of our clients include:
- Retail Store Owners
- E-Commerce Store Owners
What is the cost of Retail Insurance?
For a low-risk, small-business, you can anticipate spending $450.00 annually on a basic CGL policy with a $2,000,000.00 limit.
The cost of a Retail Insurance policy package varies widely. The following factors are taken into consideration when determining the best policy options for you:
- Years of Experience
- Annual and Projected Gross Revenue
- Number of Employees
- Location and Store Size
- Previous Insurance Claims
Getting insured is quick and easy!
If retail insurance is what you need, request a free quote now
Common scenarios where Retail Insurance is useful
Problem: A customer slips on a patch of ice outside your store, injuring their wrist.
Outcome: The client successfully sues you for bodily injury. Your Commercial General Liability Insurance covers the legal expenses and medical fees, totaling $48,000.
Problem: Your store is badly damaged following a local fire.
Outcome: Your Commercial Property Insurance covers the cost to repair your store and your Business Contents Coverage covers the cost to replace your stock, totaling $325,000.
Problem: A customer claims that a design flaw in the toy they bought on your website caused their toddler to choke.
Outcome: The customer successfully sues you and your Product Liability Insurance covers the legal fees and payout, totaling $68,000.
Frequently Asked Questions about Retail Insurance
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At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!
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