Retail Insurance

As a retail business owner, one of the greatest rewards is seeing happy, satisfied shoppers.

Of course, owning a retail business does come with certain risks. Retail stores, boutiques, specialty shops, convenience stores, mom-and-pop establishments, warehouse retailers, and even internet retailers carry a unique set of hazards to employees, patrons, and even business property that may be alleviated through proper retail insurance coverage.

If you own a retail business, your employees may face risks such as slips, falls, or repetitive stress injuries. Your customers could become injured by falling products or display hazards. Your establishment could be damaged due to fire or catastrophic weather.

Fortunately, when you carry the right types of retail insurance, your customers, employees, and small business property may be covered.


What type of companies needs retail insurance?

  • Retail stores and shops

  • Convenience stores

  • Home-based retailers

  • Grocery stores

  • Mom-and-pop establishments

  • Internet retailers

  • Boutiques and specialty shops

  • Warehouse retailers

  • And more…

What are common types of retail insurance?

Workers’ comp

Workers’ compensation insurance, also called workman’s comp, helps protect retail small businesses and employees if they become ill or injured on the job. Get a quote in 3 minutes.

Business owner’s

A business owner’s policy (BOP) is bundled insurance that may include business interruption insurance, property insurance, and liability coverage for a retail small business.

Commercial auto

Commercial automobile insurance is a type of policy that helps cover liability and physical damage for vehicles—such as cars, trucks, and vans—that are owned and operated by a retail small business.

Cyber risk

Cyber risk insurance, also called cyber liability insurance, helps cover retail small businesses for an event like a data breach—in which customer, employee, or company information is stolen or compromised.

Errors & omissions

Errors and omissions (E&O) insurance helps protect a small business against claims by third parties who believe they were harmed due to advice or services the retail business provided.

General liability

General liability insurance is a type of policy that helps protect a retail small business against third-party claims that involve property damage, bodily injury, or advertising injury.

Professional liability

Professional liability insurance helps protect a retail small business against claims by third parties who believe they were harmed due to advice or services the business provided.

Small group health

Small business group health insurance may be provided by a retail small business to its employees to help them cover wellness costs—often including medical, dental, and vision care.

Specialized coverage

Additional specialized insurance policies—coverage types that are specific to the retail industry a small business operates within—may be built into a business owner’s policy or purchased separately.

Pie provides workers’ comp insurance for retail businesses. Learn more.