out of 5 customer review rating and 150,000+ policies sold.

Protect Your Business With Retail Store Insurance

From employee injuries, to property or inventory damage, to customer slip-and-fall accidents, retail store owners have to be prepared for the potential financial impact from a wide range of risks.

At biBERK, we provide tailored retail business insurance coverage at savings of up to 20%. Whether you need workers' compensation, general liability, a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBERK, you can purchase a policy, manage it, and report claims online for ultimate convenience.

Clothing designer looking at an outfit

Who Needs Retail Business Insurance

Retail business insurance is important to retail owners. Slips and falls can happen anywhere, so we recommend a general liability policy. A business owners policy or BOP (also called property & liability insurance) addresses both liability issues and things like inventory losses from theft or damage. You also need coverage for the loss or damage of customer data with a data compromise add-on to a BOP. Having the right amount of business insurance can provide financial protection.

What Does Retail Business Insurance Cost?

Your insurance cost is calculated based on a number of factors. These include your location, business size, and claims history. You can get retail business insurance cost quotes for all the policies you need online.

Retail business owner on phone with customer

Every Shop Needs Retail Store Insurance, Including:

    • Art galleries
    • Book stores
    • Clothing stores
    • Computer stores
    • Department stores
    • Florists
    • Franchises
    • Furniture stores
    • Garden centers
    • Farm supply stores
    • General merchandise stores
    • Grocery stores
    • Hardware stores
    • Jewelry stores
    • Music stores
    • Online retail stores
    • Picture or frame shops
    • Party supply stores
    • Tux rental stores
    • Costume rental stores
    • Shoe stores
    • Sporting goods stores
    • Tobacco stores

What are the Different Types of Retailers Insurance?

At biBERK, we offer seven six different types of retailers insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.

Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.

chevron_rightWorkers' Compensation
Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

chevron_rightBusiness Owners Policy
Commercial Auto Insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

chevron_rightCommercial Auto
General Liability Insurance

Also known as commercial liability insurance, a general liability policy is important. It covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

chevron_rightGeneral Liability
Umbrella Insurance

Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

Cyber Insurance

This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

chevron_rightCyber Insurance

Why biBERK for Retail Store Insurance?

We’re the experts when it comes to small business.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Get a Quote Today

See why biBERK is easier and more convenient for retail store insurance when you obtain your free quote online.