Retail Insurance

GL, property, product liability, cyber, and theft/crime coverage for retail businesses.

Insurance for Retail Businesses

Retail businesses carry premises liability from customer traffic, product liability from goods sold, property exposure (inventory, tenant improvements, equipment), cyber risk from POS systems and customer payment data, and crime/theft exposure. E-commerce operations add shipping liability and expanded geographic exposure. We place GL, property, product liability, cyber, crime, EPLI, workers’ comp, commercial auto, and business income for brick-and-mortar retailers, e-commerce operations, and multi-location chains. Contact us to review your program.

Shop confidently & reduce your total cost of risk

When it comes to retail insurance, there is no one-size-fits-all solution. That’s why our team of experienced advisors will work with you to develop a plan that meets the specific needs of your clothing boutique, antique shop, gift store or other retail store you work hard to maintain. We understand that each business has unique requirements and we are committed to helping you secure comprehensive coverage at an affordable price.
Contact ZRM Brokerage to start a conversation today.

Access the nations best insurance carriers for retail stores with appropriate coverage and cost-efficient pricing:

  • Automobile Liability
  • Commercial General Liability
  • Cyber Liability
  • Management Liability (D&O)
  • Professional Liability (E&O)
  • Property Liability
  • Sexual Misconduct Liability
  • Special Event Liability
  • Umbrella/Excess Liability
  • Workers’ Compensation and Disability

Our risk management solutions are designed to be both cost-effective and practical, with a focus on initiatives that will have the most significant effect on your total costs and protecting your personnel.

  • Claim Management & Advocacy
  • Cyber Risk Management
  • Emergency Response & Business Continuity Planning
  • Fire and Property Protection
  • Fleet Safety Program Development & Training
  • Safety Program Review & Development
  • Security & Workplace Violence Prevention
  • Workers’ Compensation Rating and Compliance

Our services are designed to provide employees of all ages with physical, mental and financial health benefits.
  • Compliance Consulting
  • Employee Health and Performance
  • Group Medical, Ancillary and Voluntary Benefits
  • HR Technology Solutions and Benefit Administration
  • Strategic Benefits Planning
  • Workforce Productivity

We can support you and your staff in achieving retirement objectives and personal financial targets.
  • Retirement Plan Consulting
  • Life Insurance Solutions
  • Executive Benefits
  • Financial Wellness Strategies
  • Goals-Based Financial Planning
Business professional reviewing insurance documents

What types of coverage are included in a retail business insurance policy?

A retail business insurance policy typically includes coverage for property damage, liability protection, and employee injury or illness. It may also include coverage for business interruption, cyber liability, and product liability.

How much does a retail business insurance policy cost?

The cost of a retail business insurance policy will vary depending on the type and amount of coverage you need. Factors such as the size of your store, the number of employees, and the location can also affect the cost.

Professional consultation meeting

Small Business Solutions

Local retail stores can face big consequences from uninsured risks. Let’s start a conversation today to review & close any coverage gaps.

talk to daniel directly.

See what your current policy misses.

  • Send us your current policy and we’ll read every line

  • You get a written rundown of the gaps at no cost

  • A principal who knows your industry handles the placement