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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.
Retail insurance is a policy that protects your business from liability. General coverage includes:
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, who can complete a policy to cover hybrid businesses.
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.
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 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 protection covers any business vehicle, including a company van, delivery vehicle, or any trailers that you use for your business.
Are you a retail business owner? Then you need retail insurance! Whether you have five employees or 500, having retail insurance protects you from many common accidents, incidents, and disasters in the retail business. It protects you and your personal assets from liability in the event of an accident on your property.
Plus, retail insurance can cover disasters, including storms, fires, and anything else. While there may be an insurance policy on the building itself, that policy protects the landlord or business owner — it may not protect your stock and equipment inside the building. Therefore, you need your own insurance policy that covers everything that you've worked so hard for.
Even if you have an online e-commerce store, you still need retail insurance coverage. It can protect you against any type of hacking or another type of malicious online incurrence.
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!