Move your retail business forward with personalized business and insurance solutions—from employee benefits and payroll to general liability and property insurance—for retail companies of all sizes.
HOW WE WORK
From entrepreneurs to franchises, there's so much in store for your business.
- Strategic insurance carrier relationships to help find solutions for businesses of all sizes
- Proactive risk management strategies to help identify any hidden risks
- Access to specialized resources and solutions from employee benefits and payroll to cybersecurity
- Deep retail expertise to help you achieve your goals
We’ve helped thousands of retail business owners find business and insurance solutions to help protect their hard work, teams, and profitability. We offer a wide range of services from claims management and loss control to recruiting solutions and cybersecurity risk mitigation.
Business interruption is a top concern for retail businesses. The right business and insurance solutions can help give you peace of mind so you can focus on your operations.
Every retail business is unique. Whether you have your own online store, main street business, or multiple locations, we’re with you every step of the way with expertise, resources, and solutions that can help you succeed.
SERVICES
The right solutions to help you stay open for business.
We can help you build a strategic plan to help protect your brand and bottom line based on your goals. Our wide range of business solutions can help you lower risks, manage insurance costs, and increase profitability.
SPECIALITIES
Retail expertise on your side.
Appliance stores
We can help you assess your needs for coverage from inventory, equipment, property damage, and liability to business interruption and more. We can provide solutions to help you manage the various risks appliance stores may face and help you manage your insurance costs.
Auto parts stores
Our experience working with auto part stores helps us understand the unique challenges you may face, from fluctuating market demands to the complexities of inventory management, cybersecurity risks, and customer liability. Our personalized solutions are designed to help protect your business and ensure smooth operations.
Beauty supply stores
Beauty stores may face risks such as product liability claims, customer injuries, property damage, business interruption, and employee-related claims. We can help beauty store owners smooth out any wrinkles in their operations and help manage risks by providing personalized business and insurance solutions, from risk management, cybersecurity, and employee benefits services to general liability, product liability, property, business interruption, and workers' compensation insurance solutions.
Car dealerships
Put your car dealership business in drive with our business and insurance solutions. From property damage from natural disasters, theft, and vandalism, to liability risks from accidents involving vehicles on your lot, we have the industry risk management expertise to help find the right solutions. Regulatory and compliance risks can arise from the need to adhere to laws and regulations governing the sale and service of vehicles. We offer personalized solutions to help car dealerships mitigate these risks and more.
Clothing shops & shoe stores
Try on our solutions to see how they can help your clothing, shoes, and accessories store flourish. Your business may face inventory loss from theft, damage from natural disasters, customer injuries, defective product issues, payment system cybersecurity concerns, and downturns in spending that can all impact your bottom line. We have deep industry expertise and the right business and insurance solutions to help.
Convenience stores
We have convenient business and insurance solutions for your store.
Convenience stores face a range of risks like shoplifting, vandalism, natural disasters, employee and customer safety, perishable products, and health regulations. Cybersecurity is another potential risk, since your store likely handles transactions involving customer payment information. Our professionals can help assess your unique risks and offer strategies to help ensure smooth operations.
Craft stores
We can help you craft more business resilience with our expertise in stores like yours. Craft stores may face risks that can impact their operations and profitability. These risks can include property damage from fires, water damage, or natural disasters, theft, customer injuries, employee injuries from sharp scissors or heavy lifting, and harm caused by a product. Our business and insurance solutions can help mitigate and manage these risks.
Ecommerce
Online stores may face a variety of risks that could impact operations and customer trust. Cybersecurity threats pose a major risk as they can compromise sensitive customer information and lead to financial and reputational damage. Operational risks include website downtime, which can result in lost sales. Online stores of all sizes can also encounter payment fraud, supply chain disruptions, and the challenge of maintaining customer trust and satisfaction in a highly competitive market. Our business and insurance solutions can be personalized to your unique online store’s needs.
Electronics stores
We understand the risks that may be faced by electronics stores. High-value inventory can make electronics stores prime targets for theft and burglary. Property damage from natural disasters can also destroy merchandise and disrupt business operations. Product defects or malfunctions could result in warranty claims or lawsuits, and cybersecurity threats are another risk. We offer personalized business and insurance solutions to help your electronics store address these challenges and operate smoothly.
Furniture stores
Enjoy the comfort of more peace of mind from having the right business and insurance solutions. We can help you protect your business against a variety of losses that can impact your operations and profitability. Whether it is fire, floods, theft, employee injuries, or cybersecurity risks, we provide access to the right insurance solutions, and we offer business solutions from employee benefits to payroll.
Garden centers
We can help you grow your garden center business. Our solutions can help you manage potential risks from weather, pests, theft, and customer and employee injuries to financial risks due to fluctuations in demand. We offer employee benefits to help you attract and retain staff, payroll solutions, and solutions to help you mitigate cybersecurity risks. Our business and insurance solutions can help you protect your hard work and your team.
Gas stations
Our business and insurance solutions can help you run your gas station smoothly. We know that gas stations may face a variety of risks from environmental risks like underground storage tank issues, regulatory risks, theft, and fire to business interruption and fluctuating prices. We can provide solutions to help you mitigate these risks, helping to ensure your business is protected.
COVERAGE
Coverage solutions for every aisle.
Retail businesses of all sizes have unique concerns, from equipment breakdown to premises safety. As a trusted advisor, we use our industry expertise to help you find the right insurance solutions for your business.
GET A QUOTEBusiness Owner’s Policy (BOP)
BOP insurance typically bundles general liability and property insurance into one convenient policy that can help protect against third-party claims of bodily injury or property damage and helps safeguard business assets from risks like theft, vandalism, or fire.
Commercial Auto Insurance
Commercial auto insurance helps provide coverage for vehicles used for business purposes, such as transporting inventory. Commercial auto insurance typically includes liability coverage, which is a required coverage type in most states.Commercial Flood Insurance
Help protect your retail business from financial devastation caused by flooding. Commercial flood insurance typically covers physical damage to buildings and their contents, and loss of income due to business interruption, and can include cleanup and repair costs.Commercial General Liability Insurance
Commercial general liability insurance helps protect retail businesses against third-party claims alleging bodily injury, property damage, and personal and advertising injury. It’s available as a standalone policy or as part of a BOP.
Commercial Property Insurance
Commercial property insurance can help protect your retail business from financial loss from damage, theft, and vandalism to your building and business property like office equipment. It’s available as a standalone policy or as part of a Business Owner's Policy.Cyber Insurance
Cyber insurance provides coverage for financial losses and liabilities resulting from cyber incidents such as point of sale malware and other cyber attacks. This typically includes coverage for costs related to incident response, legal fees, notification for affected individuals, and business interruption losses.
Business Interruption Insurance
Business interruption insurance can help cover losses that retail businesses may suffer due to disruptions in their operations caused by covered events such as fires and natural disasters. This insurance can help compensate businesses for lost income and helps enable them to resume operations smoothly.Directors and Officers Insurance
Directors and officers (D&O) insurance provides coverage for the personal liability of a company’s directors and officers arising from claims alleging wrongful acts while managing the company. This insurance helps protect the personal assets of corporate leaders.Employment Practices Liability Insurance
Employment Practices Liability Insurance (EPLI) helps protect professional services businesses against certain employment-related claims related to employment practices, such as discrimination, wrongful termination, and harassment.Environmental and Pollution Liability Insurance
Environmental and Pollution Liability Insurance helps protect businesses like gas stations or other retail businesses against financial losses due to environmental damage, clean-up costs, and third-party claims for bodily injury or property damage resulting from pollution incidents.Equipment Insurance
Equipment insurance provides coverage for equipment that can be essential to operations, like display coolers in grocery stores. This insurance helps protect against physical damage, theft, and mechanical breakdowns, helping to ensure that the business can continue functioning smoothly.Management Liability Insurance
Management liability insurance provides coverage for the legal and financial risks associated with managing and operating a retail company. It typically includes directors and officers (D&O), employment practices liability (EPLI), and fiduciary liability coverages. It helps protect a company's leadership from lawsuits and claims arising from alleged wrongful acts, employment-related issues, and breaches of fiduciary duty.Product Liability Insurance
Product liability insurance helps provide coverage against claims arising from the sale or distribution of retail products that cause third-party injury, harm, or property damage. This type of insurance typically helps protect businesses from the financial consequences of lawsuits and claims, including legal defense costs, settlements, and judgments.Umbrella Insurance
Umbrella insurance offers an additional layer of liability coverage beyond the limits of primary insurance policies, such as general liability, employer's liability, and auto liability. It applies to claims that have exceeded the limits of the primary policies, helping to protect retail businesses from significant financial losses due to large lawsuits, catastrophic incidents, or unforeseen events.Workers’ Compensation Insurance
Typically required by state law if your retail business has a certain number of employees, workers' compensation insurance provides certain benefits to employees in case of work-related injuries or illnesses. It typically covers medical expenses, lost wages, and rehabilitation costs for employees who suffer injuries or illnesses due to job-related activities.
Strategic
&
Proactive
FAQ