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Industry Expertise

Retail & E-commerce

Retailers and online sellers face customer injuries in stores, product claims from the goods they sell, and — increasingly — data-breach exposure when they store payment information. Commercial landlords require general liability before a lease, payment processors and marketplaces expect certain protections, and California requires workers' comp the moment a shop hires staff.

Coverage to Consider Schedule Consultation

Who this coverage is for

This fits brick-and-mortar stores, boutiques, and specialty retailers, along with online sellers and e-commerce brands. It also suits businesses that combine a storefront with a website or sell through marketplaces.

What it can help protect

Retail and e-commerce coverage spans the store, the products, and customer data:

  • General liability — covers a customer injured in your store or third-party property damage.
  • Product liability — defends claims that a product you sold caused injury or damage.
  • Inventory and property — helps replace stock, fixtures, and equipment damaged by fire, theft, or other covered events.
  • Cyber and data breach — helps with notification and recovery costs when customer payment data is exposed.
  • Business interruption — helps replace lost income if a covered event closes the store.

Key industry risk considerations

A licensed review will usually focus on inventory concentration and seasonality, product sourcing and fulfillment vendors, and payment processing and customer data.

Coverages for this industry

The coverages most relevant to Retail & E-commerce, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core

General Liability Insurance

Customer injury and product-related claims.

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Core

Commercial Property Insurance

Protects store, inventory, and fixtures.

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Core Often required

Workers' Compensation Insurance

Required once you have employees.

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Recommended

Cyber Liability Insurance

Protects customer payment and account data.

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Recommended

Product Liability Insurance

For products you sell, especially private-label.

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Situational

Business Interruption Insurance

Income protection after a covered closure.

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Situational

Commercial Auto Insurance

For delivery vehicles.

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Have an advisor review the whole stack →

Common Questions