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The U.S. Department of Labor lists the retail trade industry as a high growth industry. It is this country’s largest employer, providing jobs for more than 16 million Americans. While these businesses offer high potential for growth and financial gains, they also face risks of low sales during tough economic times and losses caused by natural disasters, crime and liability lawsuits.
Fortunately, business insurance for the retail industry is designed to provide exactly the type of coverage that business owners need to protect their retail trade investments.
Because business insurance policies involve several different coverage options, it can be difficult to put together a well-suited policy without the help of an insurance professional. At First Underwriters we are independent of any particular insurance company, so we are free to work for you to help you find the right coverage at a competitive rate.
Contact First Underwriters for ethical advice, a coverage-needs assessment and the answers to all of your insurance-related questions. With your ourf help, you can soon start comparing policies and rates for coverage that is designed specifically for your retail trade business.
Businessowners Insurance Coverages
Insurance exists for the purpose of protecting persons and organizations from the adverse financial consequences of certain unpredictable events, regardless of the coverage line being considered. For general liability insurance, the unpredictable event that constitutes the subject of the insurance is a claim of legal liability arising out of a company’s operations, premises, products, and completed work.
Commercial property is the policy that an organization purchases to pay for damage to its own buildings and the personal property in them. A commercial property policy can also cover loss of income or increase in expenses that result from insured damage to buildings and their contents.
If a customer is injured or sickened by a product that you sell, both your establishment and the company that produced it may face liability charges. This coverage is designed to cover your for your legal defense and liability charges.
If your company gets hacked, cyber liability insurance can help save you from a door-closing disaster in a number of ways which means it’s pretty important coverage to have. The only time we’d agree you don’t need cyber liability insurance is if you don’t keep any of your company or client’s information accessible via technology.