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Retail Insurance: Coverage for Shops and E-Commerce

Whether you own a clothing store, supermarket, or hardware store, our retail store insurance is designed to help protect your business, inventory, employees, and bottom line. 

Two women happily browse mugs in a brightly lit gift shop, highlighting the personal connections and community spirit of small businesses that benefit from reliable insurance protection.
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A small outdoor gear shop employee assists customers while pointing to merchandise on display, highlighting the personal service and inventory investment that benefit from strong business insurance protection.
COVERAGE AT WESTFIELD 

What Is Retail Insurance?

Retail insurance is a type of business insurance designed for companies that sell goods directly to customers — whether from a storefront, online, or both. It typically includes core protections like general liability and commercial property insurance, along with additional coverages tailored to your operations.

POPULAR COVERAGES

What Kind of Insurance Does a Retail Store Need?

The types of insurance your retail business needs depend on your operations, size of your staff, value of your inventory, and more. For example, a brick-and-mortar hardware store with foot traffic and staff on site may require different coverages than a small online clothing store managing orders from home.

While it’s important to tailor your policy to your specific risks, here are some common coverages that many retail business owners choose to include in their policies:

SURESTEP® BOP

Retail Shop Insurance for Small Businesses 

Many small retail businesses opt for a business owner’s policy (BOP), which combines essential coverages into one convenient, affordable package. Westfield’s SureStep BOP includes property, business interruption, and general liability insurance, with the option to add industry-specific endorsements, such as employee theft and accounts receivable coverage.
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SECTORS WE SERVE 

Who Needs Retail Business Insurance?

If you sell goods directly to customers your business can likely benefit from retail insurance. Even if your shop is small, home-based, or seasonal, retail insurance helps protect you from the unique risks of handling inventory, serving customers, and managing employees. Examples of businesses that often need retail insurance include:

  • Antique stores
  • Department stores
  • Convenience stores
  • Florists
  • Electronics stores
  • Furniture stores
  • Grocery stores and supermarkets
  • Hardware stores
  • Hobby and craft stores
  • Shopping centers and malls
  • Souvenir or gift shops
  • Sporting goods stores
Two friends laugh together while shopping in a boutique store, representing the customer experience and community connections that small businesses work to protect with tailored insurance solutions.
E-COMMERCE COVERAGE

Do I Need Insurance for My Online Retail Business?

Yes, even online retail businesses need insurance. While you may not have a physical storefront, you still face risks like data breaches, damaged inventory, and customer injury claims. An independent agent can help you assess what types of insurance coverages you need for your online retail business.

A small business clothing store employee smiles as she helps a customer making a mobile payment at the checkout counter, illustrating how modern retail shops embrace digital transactions and the need for secure insurance coverage.
PRICING FACTORS

How Much Does Retail Store Insurance Cost?

Retail business insurance costs vary because every business faces different risks. Retail insurance companies consider several factors when determining your rates, including:

  • Industry and type of products you sell
  • Location of your business
  • Number of employees
  • Size of your payroll
  • Your claims history
Why Westfield

What Should You Consider When Purchasing Insurance?

When it comes to protecting your business, look for coverage that not only matches your unique needs, but is also backed by a carrier with proven reliability and specialized industry knowledge.

Customizable Coverage

Westfield agents tailor your policy to match the specific needs of your business and budget. 

Financial Strength 

Westfield has been “A” Rated (Excellent) by AM Best for financial strength since 1934.

Industry Experience

Our team of underwriters, risk control consultants, and claims specialists have industry-specific expertise.
RETAIL INSURANCE QUOTES

Find an Agent Near You

You’ve invested a lot into your retail business, from your storefront and inventory to the equipment and team you rely on. Protect it with insurance designed specifically for retail stores like yours. Connect with an agent today for a personalized quote.

Please review your actual policy language to see applicable coverages, limits, and exclusions.