Coverage retailers commonly carry
- Stock and contents: inventory, fixtures and equipment, with seasonal increases if your stock peaks
- Tenant improvements you’ve made to a leased space
- Business interruption after an insured loss
- Commercial general liability: customer slips and falls and product liability
- Crime: burglary, robbery, employee theft and money on premises
- Glass for storefront windows
- Cyber liability if you take card payments or sell online
Details insurers ask about
- Products sold (some, such as e-cigarettes or high-value electronics, need specialist markets)
- Alarm, cameras, locks and safe
- Annual revenue, stock values and lease requirements
Coverage descriptions are general. Your policy wording, limits and exclusions determine what is covered. Availability and premiums vary by insurer and by your circumstances.