Business Insurance for Retailers
Secure Your Retail Business
At BIS Benefits, we understand how hard you've worked to build up your retail business. You need to make sure that everything you've accomplished remains protected regardless of what life happens to throw at you, which is exactly what retail business insurance is all about.
Businesses Perfect for Retail Insurance
If you own one of the following types of businesses, you should absolutely invest in retail store insurance:
- Jewelry Stores
- Hardware Stores
- Electronic Stores
- Grocery & liquor Stores
- Florists
- Clothing & Apparel Stores
- Pet Stores
- E-Commerce Stores
- & More
What Insurance Coverage Should a Retail Business Have?
This will protect your retail business' physical assets (meaning your storefront, inventory, etc.) from things like fire, theft, and vandalism.
This type of insurance protects your retail employees from any injury that they might sustain as the result of the job that is expected of them. It covers lost wages, medical bills, and more.
This can help protect your retail business in the event that you suffer a fire, theft, or other type of catastrophic damage.
Suffering from a cyberattack can cause long-term trouble for your retail business - especially as far as your reputation is concerned. Cyber liability insurance offers the coverage you need to get back up on your feet again.
This can help cover defense costs, legal judgments, and other issues that are the result of one of your products not working as it should.
This offers an extra level of coverage that you might not get from other types of policies. It is ideal for when you're worried that you might hit the limits on other types of liability coverage for your retail business.
If you or your retail employees travel to customer locations as a part of your daily operations, you need business auto insurance to protect any official work vehicles you might have.
This is a specific type of business insurance policy that combines both business liability and business property coverage into one convenient, easy-to-manage policy.
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How Much Does Retail Insurance Cost?
Naturally, the amount you can expect to pay for retail insurance in Georgia will vary depending on exactly what types of coverage you need. According to one recent study, the average cost of general liability insurance for small retail businesses is about $40 per month and professional liability insurance is about $59 per month.
Insurance Requirements for Retail Stores
Georgia law requires retail stores at a minimum to have property insurance, liability insurance, and motor vehicle insurance. If you have three or more full or part-time employees (which you likely do as a retail establishment), you are also required to carry workers' compensation coverage as well.
If you're in Georgia and would like to find out more information about business insurance for retailers, or if you have any additional questions you'd like to go over with someone in a bit more detail, please don't delay - contact BIS Benefits today and request a quote.
Our Carriers
All the top-rated carriers in Georgia including Selective, Hanover, Travelers, Hartford, Nationwide, Chubb, Liberty Mutual, and more.
Where We Work
BIS Benefits works with companies all around the state of Georgia, below are some of the cities our clients are located in:
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Business Insurance, Group Plans, and Employee Benefits? We're here to help! Our team is friendly, knowledgeable - and ready to answer your questions or put together a custom quote for your exact requirements. Contact us today!
