You sell goods from a small store. Maybe it’s clothes, food, gifts, or greeting cards. Whatever you sell, your business is your livelihood. Give your business the best protection with retail insurance.
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Let’s say you’re a jeweler. It’s the week before Valentine’s Day and you’re anticipating your busiest time of the year. You arrive at your business on Monday morning only to find the windows smashed and hundreds of thousands of dollars’ worth of inventory missing. In this scenario, retail insurance would cover the cost of your stolen inventory and the repairs to your broken window.
Maybe you’re a specialty cheese shop. It’s the holiday season and you are flooded with orders. While you’re at home sleeping, a power surge knocks out your fridges, and your inventory is now inedible. Thankfully, retail insurance would compensate you for the cost of repairs, your inventory and any loss of income resulting from placed orders that now have to be cancelled.
At Regal Insurance, we provide Retail Business Insurance and retail insurance products for:
Retail business insurance will protect you from a wide spectrum of risks. It will protect your property, building, contents, and data, including theft. It will also cover settlement and defense costs associated with personal injury suits.
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Like any business with a physical location, there is always a possibility of damage to the building and contents or legal action being taken due to injuries obtained on the premise. However, retail businesses could also experience theft of their products. In the event of damage to the building causing the store to be closed for a long period of time, the business may experience a large loss of income as well.
These would be the main coverages although; there are more coverage to consider depending on the operations and size of the retail business (e.g. equipment break-down, crime coverage)
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