Insurance For Retail & Wholesale Stores

Keep your doors open at all times

A store full of designer clothes or flowers, perishable goods, electronic equipment, original textiles, beauty products or antique furniture. A unique inventory that needs to be managed and maintained at all times. Customers coming in and out, purchases made and cancelled, aisles, shelves and merchandise display areas that need to be kept safe, organized and secured.

The hustle and bustle of any store translates into risks that can jeopardize your business success and close the door of your store for good. Keep those doors open at all times by maintaining proper insurance coverage that will take care of the unexpected problems.

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Include Specialized Coverage In Your Inventory

As a store owner, you face risks that are very specific and reach across a broad spectrum of potential issues, from inventory management to the maintenance of the property where your store is located and liability claims if a customer trips over a display inside your store. The multitude of different issues and responsibilities can certainly cause a headache and obtaining proper insurance coverage for your store shouldn’t add to the already long list of unknowns.

Here to Help

At Kuzbiel Insurance Brokers we help you sort through the insurance options that you should consider if you own or are in the process of opening a store. We offer a variety of insurance products that are specifically tailored to the unique risks faced by wholesale and retail store owners and we are always happy to discuss available policy coverages and endorsements.

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Available Coverage & Common Claims

General Liability

A standard insurance policy designed to protect businesses from liability claims for bodily injury, property damage, resulting from operations, products, premises, and advertising and personal injury.

Claim Example

What if a customer slips on a wet surface while shopping in your store and breaks an arm?

Commercial Property

Coverage for the premises you own or rent, including business inventory, building contents and equipment and fixtures.

Claim Example

What if a hailstorm damages the roof of the building causing water damage to your inventory, shelving and displays?

Business Income

Coverage for loss of income suffered after business operations are slowed or suspended due to a covered loss.

Claim Example

What if you have to close your store for a full week while the roof of the building is being replaced because of considerable hail damage?

Data Breach

Coverage for expenses associated with a data breach that results in the loss of your clients’ confidential information.

Claim Example

What if your client’s Social Security number is stolen from your computer?

Workers Compensation

Coverage for your workers’ medical costs and physical rehabilitation in case of injury or work-related illnesses during the course of employment.