Retail insurance for your store, your stock and your customers
An after-hours fire, a customer injury, organized retail crime: we structure programs that value stock at replacement cost, flex with your busy seasons and cover the crime, cyber and liability exposures a modern store faces.
A-rated carriers · Same-day certificates · Lease-compliance support
When a gap becomes a loss
Illustrative examples of how a single retail exposure escalates when coverage is missing or improperly structured.
An after-hours fire destroys a boutique and its stock
An electrical fire destroyed a high-end clothing boutique, roughly $400K in seasonal stock and fixtures, and damaged neighboring units. The store couldn't reopen for months. Stock was insured at purchase cost rather than replacement value, and business interruption was capped at three months.
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your store
Every retailer starts with business property, general liability and business interruption. Tell us how your store operates and we'll add what typically applies. A starting point for discussion, not a quote.
Your operation
Select everything that applies.
Coverage that typically applies
8 coverages — a starting point for a conversation, not a quote.
- Business PropertyStore, fixtures, displays and signage.
- General LiabilityCustomer injuries and property-damage claims.
- Business InterruptionLost income if the store must close.
- Stock CoverageSeasonal stock at replacement value.
- Workers' CompensationLifting, slips and on-the-job injuries.
- Employment Practices LiabilityDiscrimination, harassment and wrongful-termination claims.
- Crime & TheftBurglary, robbery and organized retail crime.
- Cyber LiabilityBreaches of customer payment data and PCI fines.
From first call to certificate
Understand your store
Store type and product mix, peak-season stock values, square footage and premises, hours, cash handling, security and loss history.
Market to retail specialists
We compare A-rated retail and package markets that understand stock swings, customer-injury exposure and crime risk, with pricing that recognizes good loss history and strong loss prevention.
Build the program
Business property and replacement-cost stock, general liability, business interruption, crime and cyber, with products liability, transit, signs and glass and umbrella layered in as needed.
Certificates and claims
Lease-compliant certificates and additional insureds for landlords, seasonal limit adjustments, loss-prevention guidance, annual reviews and support from first notice of a claim.
Every policy a store may need
Filter by type or search for a specific coverage.
Business Property
Retail space, fixtures, displays, signage and equipment against fire, storms and vandalism, written at replacement cost so you can rebuild and restock.
Stock Coverage
Seasonal stock, new arrivals and displayed goods against theft, fire, water damage and spoilage, valued to reflect peak-season levels.
Signs & Glass
Storefront signage, plate-glass windows and display cases against vandalism, accidental breakage and weather.
Transit Coverage
Goods in transit from suppliers or between locations, including inventory in your delivery vehicles.
General Liability
Customer bodily-injury and property-damage claims: slip-and-fall accidents, displays causing injury and third-party damage.
Products Liability
Claims from products you sell that cause injury or damage, important for electronics, toys, food and supplements.
Umbrella Liability
Additional limits beyond your primary policies when a customer-injury claim exceeds general-liability limits.
Crime & Theft
Employee theft, shoplifting losses, burglary, robbery and organized retail crime.
Cyber Liability
Breaches involving customer payment information: notification costs, credit monitoring, PCI fines and legal defense.
Business Interruption
Lost income when the store must close after a covered event, covering rent, payroll and loan payments during recovery.
Workers' Compensation
Required for retail staff: lifting injuries, slips, falls and incidents with customers.
Employment Practices Liability
Staff claims of discrimination, harassment, wrongful termination and wage disputes.
Coverage for every kind of retail business
Programs from single boutiques to multi-location retailers.
Clothing & apparel
Boutiques, fashion retailers, shoe stores and chains with seasonal stock and fitting-room liability.
Jewelry & accessories
Jewelry, watch and accessory shops needing high-value protection and enhanced security.
Electronics & technology
Phone, computer and electronics stores with valuable stock and product-liability exposure.
Furniture & home
Furniture, home-decor and housewares retailers with delivery operations and large-item liability.
Gift & specialty
Gift, card, specialty and seasonal retailers whose stock values shift through the year.
Health & beauty
Cosmetics, beauty-supply, supplement and wellness shops with product-liability and spoilage concerns.
Sporting goods
Sports-gear, outdoor-recreation and athletic-apparel shops with products liability for fitness gear.
Convenience & general
Convenience, general-merchandise and variety stores with extended hours and cash handling.
Garden & nursery
Garden centers and nurseries with seasonal stock, live goods and outdoor-premises liability.
Specialists who understand retail
Retail focus
Since 1992 we've protected retailers across Washington, Oregon and the Pacific Northwest, placing coverage with markets that recognize good loss history and loss prevention.
Lease compliance and claims
We make sure your policy meets landlord limits and additional-insured requirements, and support you through theft, injury and property claims.
Seasonal stock know-how
Peak-season limits and replacement-cost valuation for your busiest weeks, plus loss-prevention guidance to reduce theft and liability.
Get your retail insurance quote
Fill out the form and a retail specialist will get back to you within one business day.
- Replacement-cost stock and business interruption
- Crime, cyber and liability for your store type
- Lease-compliant certificates
Prefer to talk? Call (800) 800-9644 or email info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder, and the coverage builder is a starting point for discussion rather than a quote or coverage determination. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.