Is your retail insurance program keeping pace with today’s new challenges?

As the retail industry continues to evolve, finding the right retail insurance coverage can become increasingly complex and stressful. Retail is an extremely competitive industry, which has only been made harder by the increase in online shopping. In addition to battling with the digital world, you are also at risk of theft, property damage, workers’ compensation claims, liability issues, and even cyber liability claims. A quality retail insurance plan will help protect you from these risks and more.

Contact us today to be paired with a dedicated retail insurance advisor who has decades of experience in your industry, so you can stop worrying about insurance and focus on what you do best–selling your great products

Request a Consultation

Retail Insurance

  • Gun Shops

Our Retail insurance team understands the unique risks 
you face and will customize a comprehensive plan

Protect Your Business

  • Commercial general liability
  • Commercial umbrella and excess
  • Cyber insurance
  • Commercial property
  • Equipment breakdown
  • Errors & Omissions
  • Crime insurance
  • Business interruption
  • Business income

Protect Your Employees

  • Workers’ compensation
  • Employment practices liability
  • Directors & Officers
  • Medical and dental insurance
  • Life, disability, and long term care
  • 401(k) plans
  • Payroll & HR solutions
  • Safety consulting and loss control

Protect Your Customers

  • Crime and active assailant
  • Assault and battery
  • Abuse and molestation
  • Fidelity bonds (Employee dishonesty bonds)
Banner Image

The World Difference

World’s retail insurance team has more than 40 years of experience customizing risk management programs for a variety of retail businesses. Whether you sell groceries, apparel, or other products, we work with you to ensure every aspect of your business is covered.

We have extensive relationships with top industry carriers, which allow us to secure the most comprehensive coverage available at exceptionally competitive rates and conditions. Working in the retail industry comes with many risks that can affect your livelihood, your business, and your reputation. Our retail insurance advisors understand your business and will tailor a retail insurance program that protects your unique risks. Plus, you can count on an exceptional client experience from our very first interaction through claims resolution when you need support the most.

EXCEPTIONAL SERVICE EXPERIENCE

  • Current plan review and consultation
  • Exposure identification and analysis
  • Coverage and cost analysis
  • Loss control services
  • In-house claims advocacy services
  • White-glove customer service experience
  • Direct access to your real estate insurance team

Retail clients we help

  • Grocery stores
  • Car dealerships
  • Gas stations
  • Convenience stores
  • Furniture stores
  • Hardware stores
  • Apparel and accessory stores
  • Retail bakeries
  • Book stores
  • Linen supply
  • Barber shops and hair salons
  • Tax preparation services
  • Electronics repair services
  • Shoe stores
  • Home furnishing stores
  • Florists
  • Department stores
  • Meat and fish markets
  • Fruit and vegetable markets
  • Consumer electronics stores
  • Musical instrument stores
  • Hardware stores
  • Sporting goods stores
  • Liquor stores
  • Garden centers
  • Cosmetics stores

FAQ About Retail insurance

What is retail insurance?

Retail insurance provides coverage to protect retail businesses from financial losses due to industry-specific risks. These risks include theft, property damage, workers’ compensation claims, and liability issues. Some businesses that benefit from retail insurance include clothing stores, grocery stores, electronic stores, and gas stations.

Who needs retail insurance?

Any business that operates within the retail industry should consider retail insurance. While grocery stores and clothing stores are common examples, many other businesses also fall under retail. Car dealerships, barber shops, hair salons, electronics repair services, and book stores are all considered part of the retail industry

What does retail insurance cover?

Every business has unique retail insurance needs, but within the retail industry, there are some common coverages most businesses have. Common retail insurance coverage include general liability, commercial property insurance, cyber liability, business interruption insurance, and workers’ compensation. If you’re in need of more expansive coverage, we offer many extended coverage plans, contact us today to find a plan that works for you.

What is the cost of retail insurance?

The cost of retail insurance varies between businesses, as several factors influence pricing. These include business size, number of employees, claims history, type of products for sale, and location. Since every business is unique, there is no set price. Get in touch with us for a personalized quote tailored to your specific needs.

What are common risks in the retail industry?

Like any industry, the retail industry has many different risks to consider. Some of the most common risks include property damage, theft, stolen patron credit card information, product liability, employee injuries, and supply chain disruptions. A quality retail insurance program can help protect you from these and many other perils your business may face.