Comprehensive Protection for Retail Stores
Whether you own a boutique, a convenience store, or a large retail chain, your business faces risks daily—from property damage to customer liability claims. At Risk Managers LLC, we provide specialized retail insurance solutions designed to protect your inventory, employees, and bottom line so you can focus on running your business with confidence.
General Liability Insurance: Your Store’s First Line of Defense
Covers third-party claims for bodily injury, property damage, and personal injury (such as libel or slander). If a customer slips on a wet floor or a falling product causes injury, general liability insurance helps cover medical and legal expenses.
Commercial Property Insurance
Protects your storefront, equipment, fixtures, and inventory from fire, theft, vandalism, and other covered events. Whether you lease or own your space, this coverage ensures your physical assets remain protected.
Business Interruption Insurance
If a fire, natural disaster, or unexpected event forces your store to close temporarily, business interruption insurance helps cover lost income and operating expenses until you reopen.
Retail Theft & Crime Insurance
Shops and retail businesses are often targeted for theft, shoplifting, and fraud. This coverage helps protect against losses due to employee dishonesty, credit card fraud, and customer theft.
Workers’ Compensation Insurance
Retail employees face risks such as heavy lifting, slips, and repetitive strain injuries. Workers’ compensation insurance ensures that medical bills and lost wages are covered in case of workplace accidents.
Product Liability Insurance
If a product you sell causes harm to a customer, product liability insurance helps cover legal costs and damages. This is essential for stores selling goods like electronics, food, or cosmetics.