Insurance for Retailer Stores

                Is your Retail Store a safe Investment? - Nobody expects the worst to happen but if it does, do you have the insurance you need?

We are your Retail Store Insurance specialists. One of our Sales Representatives, David Crump, was a retailer for eighteen years prior to becoming an insurance representative -- we've been in your shoes! Let us guide you to the best fit for your Store Insurance protection.  Buy the insurance coverage you want at a competitive price from an Austin based insurance agency. Professional service makes a difference!

Why we're different from the other online business insurance sites:

• Quotes Quick - We do our best to expedite your quote.
• Service After the Sale - Local friendly service for over 30 years.
• Knowledgeable Help - We help you understand your insurance choices.
• Broad Range - We offer a wide range of business insurance programs.
• Walk-in Service Available - Visit us at our South Austin office - Map, Directions and Contact Information
        

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Special Insurance Issues for Store Owners

Public Liability (General Liability) - While having a customer slip and fall is a risk for any business open to the public, retail stores are at particular risk because of the large number of customer visits. Have you inspected your store's public area for slip & fall hazards? Does you store's insurance policy have sufficiently high limits for premise liability to protect you?

Games Plus Red Bird Mall Store 1980's

Inventory & Fixtures - Most retail stores have a substantial investment in goods for sale, store equipment and sales fixtures. These business assets are at risk for damage or loss from fire, tornado, theft and other perils. Do you have adequate protection for your seasonal peak inventory level? See Commercial Property Insurance for more information.

Store Improvements / Tenant Improvements - Many retail stores are in leased spaces and have a substantial risk on the building out of their leased space. Your landlord's insurance will rebuild the center's building but not your store! If your store was damaged in a fire, do you have the protection you need to rebuild your space and reopen? 

Robbery & Burglary - Retail stores are at an increased risk for crime. Prevention is your best insurance! Most insurers require monitored alarm systems and proper money handling procedures. This helps reduce your cost of insurance, but also keeps you safer from crime risks. Be sure your store's insurance policy includes the Crime Coverage you need.

Business Income / Extra Expense - Reopening quickly after a major casualty is particularly important for retailers. A closed store sends your customers to your competitors and you could lose your clientele. Many stores fail after a major loss because of the cash flow problems and lost customer base. Be sure you store's insurance package includes this vital protection.

Delivery Vehicles - Offering delivery can be an important service to attract customers and grow sales. If you own and use a delivery vehicle for your retail store, be sure it is insured to protect your business. See Business Vehicle Insurance for more information or to request a quote.

Employee Injuries - Retail Stores can have a large staff of salesclerks, managers and support employees. Working at a retail store can involve considerable physical activities such as lifting, carrying and walking that increases the risk of an employee getting hurt while at work. A Worker's Compensation policy is important protection from the legal risk that a business owner has from a worker getting hurt while on the job. See Worker's Compensation on the main Business Insurance page for more information. See also - Essay: Why Work Comp

Lease Requirements - Many retail stores lease spaces at shopping centers. Read your lease insurance requirements and be sure that your insurance program has what is needed to satisfy your Landlord. Typical requirements are Public or General Liability Insurance plus property insurance protection for Tenant Improvements and contents. Worker's Compensation coverage is becoming a more common lease requirement. Most leases also have a "Hold Harmless" or "Indemnity" clause which can trigger an additional commercial insurance requirement.

Employment Practices - Any employer can be held liable for mistakes in handling employment relationships. Small and mid-sized business, like local retailers, are particular venerable since they won't have the "HR Department" to enforce compliance with the legal requirements of non-discrimination and other employment rules. Employment Practices Liability Insurance can be important component of your company's protection.   

Other Resources

 It's Your Store (essay for small retail owners)