Retail Store Business Insurance (BOP)

What’s in a Retail Business Policy?

• General Liability: Premises/operations and products liability for customer injuries and property damage.
• Business Owners Policy (BOP): GL + Business Property (inventory, fixtures, POS) + Business Income after a covered loss.
• Commercial Auto: For company‑owned delivery vehicles.
• Hired & Non‑Owned Auto (HNOA): If employees use personal/rented vehicles for deliveries or bank runs.
• Workers’ Compensation: Required with employees; medical/wage benefits for work injuries.
• Cyber Liability: Covers breach response, PCI assessments, and notifications after POS incidents.
• Umbrella/Excess: Additional liability limits to meet landlord/contract requirements.

Tip: Many landlords require Additional Insured, Waiver of Subrogation, and Primary & Non‑Contributory wording on COIs. We include the right endorsements so leasing and inspections go smoothly.

Common Retail Risks We Cover

• Customer slip‑and‑fall, shelving/display accidents
• Fire, smoke, water damage to inventory and fixtures
• Burglary/robbery and employee dishonesty (with Crime)
• Broken glass and outdoor sign damage
• Data breaches through POS systems
• Employee injuries while stocking or on the floor

Ask about Utility Services and Off‑Premises Power Failure for business income after grid outages (especially for grocery/convenience with refrigeration).

Theft & Crime Coverage

• Burglary/Robbery: Forced‑entry theft and robbery (policy terms apply).
• Employee Dishonesty: Losses caused by employee theft (scheduling/limits apply).
• Money & Securities: On‑premises and in‑transit options.
• Shoplifting: Often limited—documentation and conditions matter; we’ll review forms.

CCTV, alarms, lighting, and key/card control help pricing and claims.

Cyber for POS

• Data breach response and customer notification
• PCI fines/assessments (where available)
• System restoration and business interruption (options)

We’ll align cyber limits with your transaction volume.

Delivery & HNOA

• Employee deliveries/errands: Add Hired & Non‑Owned Auto.
• Owned vehicles: Set up Commercial Auto with proper limits.
• Goods in Transit: Consider Inland Marine for inventory during local delivery.

Popular Add‑Ons

• Equipment Breakdown (HVAC, refrigeration, POS)
• Outdoor Signs & Glass (higher limits)
• Tenant Improvements & Betterments
• Ordinance or Law (code upgrades)
• Employee Dishonesty/Crime
• Spoilage (grocery/convenience/florists)
• EPLI (employment practices)

Who Is This For?

• Clothing, footwear, and boutiques
• Electronics and mobile shops
• Home goods, furniture, appliances
• Convenience, grocery, and specialty food
• Sporting goods and hobby stores
• Omnichannel shops with local delivery

From single‑store boutiques to multi‑unit operations, we tailor coverage to your footprint and inventory.

Contract‑Ready COIs

• Additional Insured (landlords, venues, cities)
• Primary & Non‑Contributory wording
• Waiver of Subrogation
• Per‑location aggregate (where available)

We issue fast certificates so you can open on time and pass inspections.

Frequently Asked Questions

GL vs. BOP—what’s the difference?

GL covers third‑party injury/property damage. A BOP bundles GL with Business Property (inventory, fixtures) and Business Income for your location.

Does insurance cover shoplifting?

Policies often limit coverage for unexplained loss or shoplifting without evidence. Crime options may cover burglary/robbery and employee dishonesty. We’ll review forms and recommend best options.

Are signs and glass included?

Many BOPs include some coverage, but limits can be low. Consider Outdoor Signs and Plate Glass endorsements for higher values.

We sell online too—am I covered?

For goods in transit or pop‑ups, add Inland Marine. For card data and website exposure, add Cyber. We’ll align coverage to your omnichannel model.

Can you add Additional Insured and Waiver of Subrogation?

Yes. We issue COIs with AI/waiver and Primary & Non‑Contributory wording to satisfy landlords and municipalities.

Ready for a Fast, Competitive Quote?

Tell us about your inventory, square footage, deliveries, and leases. We’ll compare carriers and send your COI fast.

Call (209) 701‑6900 Book a Time

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JSSR Insurance Agency — Our Knowledge, Your Success.