Small Business Insurance - Retail
You're the "how can I help you" heart of the community you serve. Your title may be "Founder," "Owner" or "CEO," but you're also the one-person accounting department, marketing team, purchasing division and tech support. The success of your retail business demands you work 80 hours a week to manage it all. We can help you protect it.
Retail Business Owner's Policy
Every program for retailers starts with our core Master PacSM Business Owner's Policy (BOP). It combines property insurance – to cover damage to buildings, contents and personal property – with liability insurance to protect you if someone threatens to sue.
Master Pac includes:
- General Liability
- Product Liability
- Personal/Advertising Injury
- Premises Liability
- Business Income/Extra Expense
- Employee Theft and Dishonesty
- Computer Equipment, Data and Media (EDP)
Who is it right for?
Travelers offers insurance to protect small business stores that sell goods to the general public, including:
- Art Supplies
- Auto Parts
- Baked Goods
- Clothing and Accessories
- Computers and Electronics
- Gifts and Novelties
- Home and Garden
Find an Agent
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Customize your policy with these add-ons
With so many electronic transactions, both online and at point of sale, you have a lot at stake. When a system is hacked or compromised, you risk costly chargebacks, or reputational damage and loss of sales. Cyber criminals are always looking for a weak spot (like maybe an outdated e-commerce feature on your website). CyberFirst Essentials® – Small Business helps protect your bottom line from the costs of failing to prevent unauthorized access to, or use of, customer identity information. Covered expenses include customer notification (often mandatory), penalties and chargebacks imposed by credit card companies, court-awarded judgments and more.
Supersize your Master Pac policy with best-in-class enhancements that deliver additional coverage features and higher limits, including: sewer backup, losses resulting from damage to a power supply or overhead utility lines, increased limits for computer/data/media, and spoilage for perishable goods.
EPL+ defends your business in the event of a claim alleging a wrongful employment practice, such as discrimination or wrongful termination. EPL+ helps cover your legal expenses as well as potential settlement damages, up to the coverage limit. We also include identity fraud expense reimbursement coverage for employees. Bonus: Third-party liability coverage is optional in case a patron or supplier files a discrimination claim.
Extends some property and liability coverage features for periodic overseas business travel. For frequent overseas travel, or for businesses that have an overseas location, a separate Global CompanionSM policy is available.
Related Products & Solutions
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Insights & Expertise
Slips trips and falls have the potential to be a major cause of injury for your employees and visitors.
A look at how small- to mid-sized companies are vulnerable, what is at stake, and methods to help protect against hacking and data breaches.