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Small business insurance solutions for retail shops

Retail shop owners work tirelessly to create a welcoming environment for their customers and provide exceptional products and services. Having the right small business insurance to protect their hard work and investment is crucial.

Running a thriving retail shop requires dedication, attention to detail, and a commitment to providing exceptional service. The same dedication and commitment should be taken when selecting small business insurance.  

With Victor, you can provide tailored insurance solutions that align with your retail shop clients' unique needs and challenges to help them safeguard their investments and focus on what they do best—serving their customers and growing their businesses.

Our insurance solutions for retail shops include:

  • Business owners policies
  • Cyber
  • General liability
  • Workers comp
  • E&S property and general liability

Download the Retail Shops highlight sheet

Learn more about each individual coverage below. 

Coverage highlights and appetite for retail shops

  • Compare quotes from multiple lines of business: CNA, Homesite 
  • Available nationwide 
  • Up to 50 employees 
  • Up to $30M in sales* 
  • Limits up to $10M in total insured property* 
  • Multi-location available 
  • New ventures welcome 
  • Optional coverages such as spoilage, food contamination and liquor liability endorsements available 
  • Umbrella indication available with CNA BOP quote 

*Dependent on provider and class code 

  • Compare quotes from multiple providers: Coalition 
  • Available nationwide 
  • Revenues up to $250M 
  • Limits up to $2M bind-able online 
  • Limits up to $5M via referral 
  • Cyber liability and Tech E&O coverage available 

  • Compare quotes from multiple carriers: Coterie 
  • Available nationwide 
  • Up to 50 employees 
  • Up to $10M in revenue for most classes 
  • Limits up to $2M  

  • Compare quotes from multiple carriers: AmTrust, Employers and Markel 
  • Limits up to $1M/$1M/$1M 
  • Multi-state capabilities 
  • New ventures eligible in most classes 
  • Superior claims and loss control services

  • Available in all states
  • General liability limits up to $1M/$2M
  • Property limits up to $3.3 TIV per location, $5.6M TIV per policy
  • Business Personal Property up to $250K per building
  • Premiums starting at $500

  • Antique Stores
  • Beverage Stores – Liquor & Wine
  • Bicycle Stores – Sales & Servicing
  • Books and Magazines Stores--Other Than Not-For-Profit
  • Bridal Stores
  • Candy or Confectionery Stores
  • Clothing or Wearing Apparel Stores
  • Department Stores
  • Discount Stores
  • Drugstores
  • Furniture Stores
  • Gift Shops
  • Health or Natural Food Stores
  • Specialty Food Stores
  • and many more!

Insurance solutions tailored to perfectly fit your retail clients. 🛍️

From Clothing boutiques to Whimsical Wonders,  our insurance offerings cater to your retail shop clients' unique needs so they can focus on running their shop confidently, knowing their investment is protected.

Additional resources for retail shops

Articles and claims scenarios to share with your retail shop clients to help them better understand their risks.