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Insurance for Your Retail Store

You understand your business inside and out. So do we. Selective combines the property and liability insurance coverages your business needs in one easy, affordable and secure policy. We offer different levels of coverage – and you can also choose from several deductible and payment options to make sure you have the coverage and price that’s right for you and your business.

Let’s face it. You already have plenty on your to-do list. Ask your agent about Selective, and cross insurance off the list for good.

Type of Retail Stores We Insure

  • Department
  • Florist
  • Office supply
  • Clothing and apparel
  • Accessory and specialty
  • Shoe
  • Grocery
  • Meat and fish (seafood) markets
  • Fruit and vegetable markets
  • Candy, nut, and confectionery
  • Dairy products
  • Retail bakeries
  • Furniture
  • Floor covering
  • Drapery, curtain, and upholstery
  • Household appliance
  • Radio, television and consumer electronics
  • Computer and computer software
  • Record and prerecorded tape music
  • Musical instrument
  • Retail nurseries, lawn and garden supply
  • Paint, glass, and wallpaper
  • Hardware and home improvement
  • Book
  • Sporting goods
  • Beverage (liquor, wine and beer)

Coverage Highlights

Property Insurance Advantages

  • Newly acquired property
  • Business income for anchor store/dependent properties
  • Utility services
  • Glass
  • Electrical or mechanical breakdown
  • Water back-up from sewers and drains
  • Fine arts
  • Outdoor signs and fences
  • Outdoor trees, shrubs and plants
  • Blanket additional insured – broad form vendors coverage
  • Fire/water legal liability
  • Ordinance or law
  • Business personal property
  • Employee dishonesty coverage, including ERISA
  • Property in transit

Liability Insurance Advantages

  • Broad named insureds
  • Newly formed/acquired entities
  • Realty tax, additional costs/soft cost
  • Hired and non-owned automobile

For more information about Selective's coverages, click here.

Optional Coverages Tailored for Retail Stores

  • Bonds
  • Commercial auto
  • Cyber liability
  • Employee benefits liability
  • Flood and earthquake
  • Inland marine
  • Commercial umbrella
  • Workers compensation

For more information about Selective's coverages, click here.

Safety Management Services

Selective can help you prevent claims before they occur with our extensive Safety Management services:

  • Best practices assessment/gap analysis
  • Contractual liability consultation
  • Customized workers compensation cost containment
  • Driver and fleet safety programs
  • Exposure reduction consultations
  • OSHA 30-hour training
  • Premises liability reviews
  • Regulatory guidance
  • Safety assessment and benchmarking tools
  • Sprinkler system evaluation and analysis
  • Supervisor accountability programs
  • Thermographic infrared surveys

For more information about Selective’s Safety Management services, click here.

Please contact your Selective agent for more information about our products and services for Retail Stores.