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Retail Business Insurance by Legacy Insurance

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Retail Business Insurance provided by Legacy Insurance

Retail shops have arguably a higher risk than home or renters insurance, because there are a lot of moving pieces and people involved. There is merchandise out on display, people could be injured in the store, property damage and there’s the risk of purchasing inventory and not selling it. All of these things can be covered by retail insurance.

What is Retail Business Insurance ?

Retail business insurance protects you against liabilities like customer slips and falls, property damage, theft, and employee injuries and illnesses. Stores who’ve experienced problems like these could tell you how important it is to have the right coverage with adequate limits.

How much does Retail Business Insurance cost?

Several factors affect the cost of retail business insurance, including your store’s specialty, size, and inventory. Cost estimates are sourced from policies purchased by Insureon customers.


  • Business owner’s policy icon
  • Business owner’s policy costs for retail stores


Retailers pay a median premium of about $65 per month, or $790 per year, for a business owner’s policy (BOP). This policy combines general liability insurance with commercial property insurance, typically at a lower rate than if the policies were purchased separately.

Why do you need Retail Business Insurance ?

Whether you run a clothing boutique, antique shop, or gift store, we know you work hard daily. We also know the risks you face. That’s why we offer insurance coverages to help keep you and your employees safe on the job. You rely on your retail workers to keep your business running successfully. Whether they’re helping customers, restocking shelves, or organizing merchandise, we know you want to keep them protected. Our retail insurance can help keep your team covered on the job.

Already have Retail Business Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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