Business Insurance for
Insurance for Small Retail Stores
Owning your own small retail store allows you to interact with many different people in different ways. It’s an ideal business for an outgoing personality. There’s a lot to keep track of though, a lot of responsibility, and a lot of potential risk in your day-to-day operations. Make sure you’re protected with the right types and amounts of commercial small business insurance so that you can continue enjoying your business for years to come.
General liability insurance, or CGL, is a comprehensive coverage option that helps protect your business from losses caused by unexpected events. Whether a customer hurts themselves while shopping in your store or their property is damaged while they’re there, GL can protect you from the potential liability expenses. General liability also helps provide coverage for business losses that come about due to natural disasters. It can protect you from liability and litigation expenses that arise from product or advertising damage claims as well.
If you use automobiles such as delivery trucks in your business, or you occasionally travel for business purposes, business auto insurance protects you from the expenses of auto accidents.
Retail stores must have employees to operate effectively and by law you must provide your employees with workers comp insurance. This coverage provides for their medical needs and expenses if they’re ever injured on the job.