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Retail insurance

If you run a retail business, you know very well that anything can go wrong at any time—and leave you holding the bill. A customer could slip on a wet floor and get seriously injured. Someone could break in and steal a bunch of your inventory. Or one of your employees could have a serious allergic reaction to a cleaning solution and require hospitalization. And any of those situations could result in a big headache and a lot of liability if you aren’t properly insured.

That’s why you need reliable retail store insurance. Purchase the right business insurance for your store and you’ll know your business is protected in just about any unexpected circumstance.

Most common types of retail insurance coverage

Workers' Compensation

Pays out to cover costs if your workers get sick or injured on the job.

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Business Owner's Policy

A bundle of policies that every retail store needs: general liability coverage, business interruption insurance, and business property coverage.

General Liability

Protects you and your retail store if you’re ever sued by a third party.

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Business Property

Protects the building you own and the stuff inside.

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Business Interruption

Protects your retail store if you’re forced to close for a covered reason.

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How much does retail insurance cost?

The cost for insuring your retail establishment depends on where you are and how big your payroll is, but Huckleberry’s retail customers have paid as little as $22 per month for their workers’ compensation and $42 per month for their Business Owner’s Policy (which includes liability insurance).

Retail insurance Q&A

• What is covered by a retail insurance policy?

There isn’t a single policy that will cover all the threats a retail store faces, but you can cover most of your risks by getting general liability coverage, business interruption insurance, and business property insurance—all of which are automatically included in a Business Owner’s Policy. If you have employees, don’t forget workers’ compensation; it’s required by law almost everywhere.

• I need a Certificate of Insurance. How do I get it, and does it cost extra?

If you’re a Huckleberry customer, you’re in luck! It’s easy to get proof of coverage, and the whole process is completely online and 100% free. Just visit our Certificate of Insurance page.

• Who is Huckleberry Insurance?

Huckleberry offers business insurance designed for small business owners. Fast, easy, and 100% online.

What's better about Huckleberry

Get coverage in 5 minutes

Traditional agencies

It can take days to get coverage

Multiple carrier quotes, side by side — you choose

Can present you with their best option — not your best option

Backed by Paychex and A-rated carriers

Depends on individual agent relationships

Buy online without back-and-forth

Requires multiple calls with your agent

Talk to real people when you need help

Limited availability, agent-dependent

See what's covered and what's not—upfront

Coverage details buried in policy documents

Get a quote in five minutes.

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