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.

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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:

General Liability

Help protect your store against lawsuits and claims related to customer injuries, damage to someone else’s property, and advertising activities.

Commercial Property

Safeguard your storefront — whether leased or owned — as well as your inventory, equipment, and other important physical assets.

Business Interruption

Ensure your shop can manage ongoing expenses if you need to temporarily close due to a covered event.

Commercial Auto

Safeguard the vehicles your employees rely on for deliveries, pickups, and other business activities.

Equipment Breakdown

Minimize downtime and costly repairs when critical equipment fails due to mechanical or electrical issues.

Commercial Umbrella

Add extra liability coverage that extends beyond the limits of your standard business policy.

Workers’ Compensation

Help cover the medical care, rehabilitation costs, and lost wages for staff members who are injured on the job.

Crime Insurance

Protect your store against theft of supplies, equipment, and cash, whether on- or off-site, under certain circumstances.

Commercial Cyber

Help your shop respond to and recover from cyber-attacks, including data breaches and ransomware attacks.

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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.

Explore Our BOP

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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

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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.

Find an Independent Agent

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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

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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.

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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.

Contact an Agent

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