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General Liability Insurance
Retail Stores
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Retail Store Liability Insurance

Owning one or more retail stores puts you in an enviable position. You are able to control your personal income while providing goods and services that people want or need. You’re also able to employ other people in your store and give back to your community. As the owner of a retail store, you have a lot of responsibilities and details to keep track of. General liability insurance for retail stores helps with some of those.

Bodily Injury Coverage

Insurance As Low As
$27 A Month
General Liability
Property Coverage
Auto Insurance
Workers Compensation

General liability insurance for retail stores protects your store and its customers. Bodily injury is a section of that coverage that helps when accidents cause harm or injuries. If a customer trips over a vacuum cleaner cord in your store for example, is suffers physical injuries in the fall, this section of your insurance will pay for the medical care or treatment that they need.

Property Damage Coverage

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Property damages is the area of your general liability insurance for retail stores that helps protect your customers from suffering losses and damages to their personal property. If a customer’s vehicle is dented by a shopping cart while at your store for example, this section of your insurance policy will pay to have that dent fixed.

Products and Completed Operations Coverage

General liability insurance for retail stores also protects you legally and financially when things go wrong with the products you sell, or the services you offer. Anyone who manufacturers or sells products to customers is at risk of a lawsuit or other legal action when the product causes illness, injuries or other harm. Products and completed operations coverage is the section of your commercial general liability policy that protects you from the legal costs associated with these problems, while paying reparations to your customers as needed.

Personal and Advertising Injury

Not all types of harm are physical or property related. A competing store may claim that you used their company slogan in your printed ads for example, or they may claim that you made false statements about them. Personal and advertising injury coverage applies protection for your company when these types of allegations are made.

Damage To Premises Rented To You

If your company rents or leases the retail space that your store operates from, the owner of that building may require you to carry rental premises damages protection. This is provided for in your general liability insurance for retail stores, and it’s primary purpose is to protect the structures and property that your company uses but does not own. If your company is at fault for starting a structure fire in the break room for example, then this part of your insurance policy pays for the necessary structural repairs.

Medical Expense Limit

General liability insurance for retail stores can include medical expense limit insurance coverage. This insurance allows you to pay for a customer’s injuries or medical needs when they have minor accidents. Paying for minor medical expenses can help you avoid larger lawsuits or claims in the future.

Limits of Liability Insurance

Liability Insurance Quote For Retail Stores

Insurance Products

General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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