Retail & Wholesale Sector
Retail stores, grocery and food stores, liquor retail, wholesale and distribution. Premises liability is only half of it — the other half is the product on the shelf.
A slip on a wet floor is the claim everyone expects.
The one that costs more is the product you sold but did not make.
A commercial landlord will want general liability before handing over a lease, payment processors and marketplaces set their own conditions on how card data is held, and California requires workers' comp from the first hire. For anyone distributing rather than selling direct, add the claim that arrives from goods you never made — often from a manufacturer who is overseas, unreachable, or insolvent.
Retail & Wholesale Coverage
Premises, inventory, and the product liability that follows what you sell.
Grocery, Liquor & Food Stores
Refrigeration breakdown and spoilage, off-sale liquor liability, deli exposure, and robbery.
Explore coverageRetail Stores
Customer injury, realistic inventory limits, theft and burglary, and own-brand product exposure.
Explore coverageWholesale & Distribution
Product liability in your own name, cargo in transit, and the imported-goods problem.
Explore coverageHow we work
However you arrive at this page, the path from here is the same.
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Understand your risk
We start with how you actually operate — your assets, your people, and the exposures that come with them.
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Match it to the right carrier
We shop carriers whose appetite and specialization fit your risk, then lay the options out side by side.
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Stay with you
We stay on through renewals, mid-term changes, and claims — adjusting as things change and advocating when it counts.