Retail Insurance

Your specialty retail shop provides customers with just the item they are looking for. You offer your products and knowledge to your customers resulting in a successful local business.

We offer a specialty retail insurance program for locally owned and operated specialty and boutique retail shops, shops that are part of a regional chain or franchise location of a larger retail name.


  • Annual sales up to $10,000,000 per location
  • Building and business personal property up to $10,000,000 per location
  • In business three or more years or has management team with at least three years experience
  • Does not directly import products for sale

Eligible operations:

  • Appliance Stores – Household Type
  • Archery Equipment & Supplies
  • Art and Craft Supplies Store
  • Art Galleries or Dealers
  • Automobile Parts and Supplies Stores
  • Awnings and Canvas Goods – Retail
  • Bagel Shops
  • Bakeries (with and without cooking)
  • Balloons – Retail and Decorating
  • Banners and Flags – No installation
  • Baskets and Straw Gift Products
  • Bedding, Bath and Linens Shores
  • Beverage Stores – Liquor, Wine
  • Beverage Stores – Beer, Soft Drinks
  • Billiard Supplies
  • Birdseed and Bird Supplies (no sale of birds)
  • Book and Magazine Stores
  • Brass Specialty Goods
  • Bric-A-Brac or Curios
  • Bridal Shops
  • Building Material Dealers
  • Camera and Photographic Equipment Stores
  • Camping Equipment Stores
  • Candle Stores
  • Candy or Confectionery Stores
  • Cell Phone and Accessories Sales – Retail only
  • Ceramics
  • China Shops
  • Clock Stores
  • Clothing
  • Coffee and Tea Shops
  • Comic Books
  • Computer and Software Stores
  • Cosmetic, Hair or Skin Preparation Stores
  • Costume Stores (including rental)
  • Curtains, Draperies, Window Covering Stores
  • Cutlery Shops
  • Dairy Products Stores (butter and egg)
  • Department or Discount Stores
  • Drug Stores (with and without cooking)
  • Dry Goods Dealers (fabrics, yarn, piece goods)
  • Educational and School Supplies
  • Electrical Lighting Stores
  • Electrical Supplies Stores
  • Electronic Stores
  • Equipment, Fixtures, or Supplies
  • Fabric Stores
  • Flooring Covering Stores
  • Florists (without greenhouses)
  • Formal Wear (including rentals)
  • Frozen Yogurt Shops (no cooking)
  • Fruit or Vegetable Markets
  • Furniture Stores
  • Game Stores
  • Garden and Nursery Stores
  • Gasoline Stations / Convenience Stores
  • Gift Shops
  • Glass or Mirror Specialty Stores
  • Glassware Store
  • Golf Cart Sales and Service (no rental)
  • Gourmet Food Stores
  • Greeting Card Stores
  • Grocery / Convenience Food Stores
  • Grocery / Supermarket (with and without cooking)
  • Hardware Stores
  • Health and Natural Food Stores
  • Hearing Aid Stores
  • Hobby, Craft or Artist Supply Stores
  • Home Furnishings Stores
  • Home Improvement Stores
  • Houseware Stores
  • Ice Cream Stores (no cooking)
  • Jewelry Stores
  • Lawn or Garden Equipment Dealers
  • Leather Goods Stores
  • Marble Products
  • Meat, Fish, Poultry, Seafood Stores
  • Music Stores (pre-recorded)
  • Musical Instrument Stores
  • Office Machine or Equipment Supply Stores
  • Optical Goods Stores
  • Paint, Wallpaper or Wallcovering Stores
  • Painting, Picture or Frame Stores
  • Party Goods Stores
  • Pet Food and Supply Stores
  • Pet Stores
  • Pizza Parlors (no delivery)
  • Plant Stores (artificial)
  • Refreshments, Snacks, Non-alcoholic Beverage Bar
  • Religious and Church Supplies
  • Restaurants, Delis & Sandwich Shops
  • Sewing Machine Stores
  • Shoe Stores
  • Sporting Goods Stores
  • Sunglass Boutiques
  • Tack Shops
  • Toy Stores
  • Trophy and Award Stores
  • Vacuum Cleaner Stores
  • Variety Stores (with and without cooking)
  • Video Stores
  • Wig and Hairpiece Stores

Retail Shop Insurance Program Highlights

Protect your business with these Property / Casualty insurance coverages:

  • General Liability
  • Damage to the property of others
  • Employment Practices Liability
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Umbrella
Standard Property Coverages:

  • Actual Loss Sustained Business Income for up to 12 months
  • Business Income from Dependent Properties – $5,000 included with higher limits available
  • Equipment Breakdown including breakdown of computer equipment
  • Peak Season – 25% of Business Personal Property Limit
  • Newly Acquired or Constructed Property – $250,000 Building, $100,000 Business Personal Property
  • Removal of Insurance-to-Value Provision – no coinsurance

Optional Property Coverages:

      • Blanket Insurance
      • Business Income – Extended Period of Indemnity
      • Extended Replacement Cost Valuation – Building
      • Ordinance Or Law
      • Outdoor Signs
      • Utility Services – Direct Damage and Time Element
      • Water Backup from Sewers or Drains
      • CyberOne
        • Insures for events that damage or degrade insured’s data and systems
        • Pays defense and liability costs for an insured’s systems security failure, including the breach of third party business information
      • Data Compromise
        • Insures data breach, theft, or unauthorized disclosure of personal information
        • Helps insured to be compliant with breach notification laws and requirements
        • Offers services to affected individuals such as credit monitorings
        • Pays defense and liability costs for actions brought by affected individuals as a result of a breach of personal information
      • TechAdvantage Equipment Breakdown
        • Microelectronics Coverage – when physical damage isn’t detectable but equipment suddenly stops functioning
        • Cloud Computing Service Interruption – waiting period, sublimit and deductible apply
        • Service Interruption Data Restoration – waiting period, sublimit apply
        • Off Premises – Property Damage, Business Income, Extra Expense & Data Restoration Coverage
        • Public Relations Coverage – applies if loss of business income (Sublimit – $5,000)
Standard Liability Coverages:

      • Aggregate Limit of Insurance – 2X occurrence
      • Broadened Named Insured – includes volunteers

Optional Liability Coverages:

      • Aggregate Limit of Insurance by location
      • Electronic Data Liability
      • Employee Benefits Liability
      • Employment Related Practices Liability
      • Increased Products/Completed Operations Aggregate – 3X Occurrence
Included on Inland Marine and Crime Standard Coverages:

      • Accounts Receivable – $25,000 included with higher limits available
      • Computer Hardware and Software included within Business Personal Property
        • Data – up to $10,000 included
        • Interruption of Computer Operations – up to $10,000 included
      • Valuable Papers and Records – $25,000 included with higher limits available

Included crime coverages:

      • Money and Securities – $10,000 on premises and $5,000 off premises with higher limits available
      • Employee Dishonesty – $5,000 with higher limits available
      • Forgery and Alteration – $5,000 with higher limits available

Other Insurance Options available:

    • Electronic Data Processing – Hardware, Software, On- and Off-Site Web Servers and Software, Business Income and Extra Expense, and Interruption of Web Site Coverage
    • Fine Arts
    • Scheduled Property
    • Computer Fraud and Funds Transfer Fraud
    • Umbrella
    • Commercial Auto
    • Workers Compensation

Affordable Insurance Coverage

Our specialty business insurance coverage offers convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Annual
  • Semi-annual
  • Quarterly
  • Down payment plus 9 equal payments (10 payments)
  • Monthly (12 payments)

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer—$1 fee per installment
  • Online or by phone—$7 fee per installment
  • Charge to credit card—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package.

Call or email Kevin Morency today and receive a quick turnaround on your quote.

Note: Some payment options may not be available in all states.

Phone or email Kevin Morency to get started on your quote. Since each retail operation is unique, he will discuss your needs and can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.