Retail Insurance

Running a small business — or any size business — can be tricky. There are many things you can't control, such as whether someone takes a tumble in your store, if there's a natural disaster, or if you experience a break-in. What you can control, however, is whether you're protected in any eventuality.

That's why you need insurance from a reputable retail business insurance provider. The expert team at Noble Insurance works with businesses just like yours, conducting professional appraisals of your insurance risks and needs to develop a custom plan for your complete protection.

Even if you operate an online retail business, retail insurance can still protect your business interests. Or, if you have a hybrid online and brick-and-mortar business, your retail insurance policy will cover both aspects of your business. But, it's essential to find a retail business insurance provider, like Noble Insurance, who can complete a policy to cover hybrid businesses.

Retail insurance is a policy that protects your business from liability. General coverage includes:

• Slip and fall or other customer accidents
• Theft or other loss
• Property damage
• Employee injuries or workplace-based illness

Any retail store should have retail business insurance, from liquor and jewelry stores to pet stores, clothing boutiques, and florists. The specific type of insurance coverage you need depends on the type of business you have, the size, and the number of employees, and the cost will depend on those factors.

Even if you operate an online retail business, retail insurance can still protect your business interests. Or, if you have a hybrid online and brick-and-mortar business, your retail insurance policy will cover both aspects of your business. But, it's essential to find a retail business insurance provider, like Noble Insurance, which can complete a policy to cover hybrid businesses.

General Liability

Nearly all retail businesses need this type of insurance, which protects against financial liability and lawsuits filed by customers. Covered events may include a slip-and-fall accident or other types of personal injuries.

Business Owners Policy

The BOP protects your storefront, personal property, and commercial building. It combines liability and property coverage into a single policy and is most common for small-to-medium-sized businesses, including retail stores and restaurants.

Worker's Compensation

Worker's Comp specifically covers employees who are injured or become ill while on the job. It covers their medical bills, lost wages, and injury recovery rehabilitation. Even if you have one other employee besides yourself, your state likely requires you to carry this coverage. Suppose you don't have adequate workman's compensation insurance. In that case, you could be personally liable for any workplace accident, or you may have fines and citations from your state and local government. Talk with your agent to better understand the requirements in your state.

Commercial Auto

Commercial auto protection covers any business vehicle, including a company van, delivery vehicle, or any trailers that you use for your business.

Protecting your business and yourself against work-related accidents, theft, or other incidents is critical. It's important to find the right retail insurance coverage for your business. At Noble Insurance, we're a team of professional insurance providers who can develop the right policy to cover your retail business, whether you're an in-person store, an online business, or a combination business. Call us today or fill out our online form for a personalized quote!