Automatically increases your stock limit during defined busy periods (holidays, spring/summer). Great for apparel, gifts, and sporting goods.
From boutiques and salons to grocers and electronics, we tailor coverage for contents, stock, income, and lease requirements-so you can keep the doors open and customers happy.
Retail faces a unique mix of theft, water damage, vandalism, and equipment breakdown exposures. If an incident shuts your doors for even a few days, lost sales add up quickly. We build policies that protect your contents, stock, tenant improvements, and income-and align with your lease requirements so certificates are approved without back‑and‑forth.
| Category | What it covers | Notes for retail |
|---|---|---|
| Contents | Fixtures, displays, POS systems, furniture, computers | Include Tenant Improvements & Betterments (TIB) you paid for |
| Stock | Inventory: finished goods, packaging, spare parts | Option for selling price; add seasonal/peak season increase |
| Business Interruption | Lost income & ongoing expenses while you recover | Consider utilities/civil authority/dependent property extensions |
| Equipment Breakdown | Sudden breakdown of electrical, HVAC, refrigeration | Add spoilage/temperature change for food & floral |
| Crime | Employee dishonesty, robbery, burglary, forgery | Cash handling procedures help underwriting |
| Glass & Signs | Exterior/interior glass; exterior signage | Common landlord requirement-confirm limits |
| Water/Flood/Sewer backup | Water damage events | Often optional/limited-address based on location history |
| Liability (CGL) | Injury & property damage to others; products/completed ops | Align with landlord requirements; consider $2M-$5M |
| Cyber (POS) | Data breach, ransomware, PCI assessments & response | Usually a separate policy-critical for card‑present sales |
| Inland Marine / Transit | Goods in transit; deliveries; mobile displays | Coordinate with any e‑commerce or delivery operations |
Automatically increases your stock limit during defined busy periods (holidays, spring/summer). Great for apparel, gifts, and sporting goods.
Settles stock losses at the retail price less normal discounts-helps match lost margin after a major loss.
Protects perishable goods due to power outage or equipment breakdown; combine with maintenance and temperature monitoring.
Availability and limits depend on location and loss history. We'll tailor to your address and building protection.
Extend property and liability for temporary locations, markets, or events; confirm landlord/organizer certificate requirements.
Send us the insurance section of your lease; we'll match endorsements and prepare the certificate.
Selling price helps replace lost margin and is popular in retail. Cost is cheaper but may slow recovery. We can quote both.
Often yes-store closures still reduce sales and increase expenses. BI can also cover extra expense to shift to temporary space.
Ordinary, unexplained inventory shortage is not covered. Robbery/burglary and vandalism are addressed under Crime/Property forms-policy terms apply.
No-add a Cyber policy for breach response, PCI assessments, ransomware, and third‑party liability.
We can extend property and liability for temporary locations and provide certificates to organizers-tell us dates and locations.
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