Skip to content
(844) 444-KERN
Contact Us
(844) 444-KERN
Contact Us

Retail Business
Insurance

Your retail business is extremely important to your personal future. Finding the right insurance for your unique business will help protect you and your family’s future financially.

Retail Business
Insurance

Your retail business is extremely important to your personal future. Finding the right insurance for your unique business will help protect you and your family’s future financially.

Does a retail business need insurance?

In most cases, we talk with small business owners who have a shop in the center of town, selling products to local visitors and, sometimes, through an online shop as well. If you have a brick and mortar, hold inventory for your business, or rely on your income to survive, we highly recommend you fully insure your business venture.

The thing small business owners need to do is weigh the risks. Do you have enough capital to self-insure your retail business and still pay your bills if someone is injured on-site? What if there was a flood that ruined half of your inventory? Or if you had to shut down because a fire broke out and the walls needed to be fixed? Most small business retailers will answer no to these questions.

Commercial Property Insurance

Whether you own or lease your shop’s location, you may be liable for replacing anything that was damaged. This coverage is especially important if the damage occurs to equipment essential for your business.

General Liability Insurance

When customers come in and out of your door, you open up the risk to someone falling or hurting themselves while in your location. This will help cover any liability you have for that injury.

Loss of Income Coverage

If your storefront should have to close down due to damage to product or the building, this coverage can help recoup the loss of income during that time.

Cyber Liability

If you are storing credit cards of your customers or personal data due to the nature of your product, you should strongly consider Cyber Liability coverage. This will help protect you from the tens of thousands of dollars in fines that could occur if you are a victim of a cyber hack.

See All Our Insurance Solutions