S. The Allen Thomas Group Retail Insurance . - physical retail stores as well as online businesses alike - no matter where they're based or how they operate we have you covered! Speak With an Agent Now from The Allen Thomas Group at (440) 826-3676.
Work with your agent to find the right amount of coverage for your business.
You're the captain of your ship, navigating through the ever-changing tides of the market. Liability Insurance
Your final rate depends on the unique qualities of your business, including your building, location, personal property and employees.
Worker's compensation insurance ensures that employees receive necessary medical care and wage replacement if they get injured on the job. Retailers usually acquire general liability and product liability policies to protect themselves against customer injuries caused by products sold.
Employee dishonesty coverage is included in the BOP offered by The Allen Thomas Group. Your retail store is the heart and soul of your business, and it's crucial to protect it. Property and liability coverages come together in this policy to offer comprehensive protection. Is retail business insurance mandatory? BIEE coverage can provide essential financial protection during repairs or replacement of property.
Before you purchase a policy, make a list of everything inside your business that has monetary value, including the cost of the building, if you own it. Understanding the value of these items before signing an insurance contract can help your agent tailor coverage specifically to protect what's most valuable to your business. Accidents involving customer property may arise at any small retail business. Cover yourself around the world.
Imagine your retail business as an intricate jigsaw puzzle: each piece represents different facets of its operation - from your physical store, employees and inventory to liabilities and liabilities coverage. For example, a customer at your jewelry store might ask you to replace the battery in a watch.
Experience for Retail Business InsuranceWith years of experience in the insurance industry, we know exactly how retailers experience challenges; and have the know-how to craft policies to anticipate and address them effectively. If you have employees, or even temporary workers you bring on during holiday season, you may be required to provide workers compensation coverage. Liability Insurance Complete The Allen Thomas Groups simple online application now and find a policy in less than 24 hours - or bundle general liability and commercial property into a Business Owners Policy which could save money over buying separate policies individually.
With so many electronic transactions, both online and at point of sale, you have a lot at stake. While any small business needs to plan for unexpected burst pipes, fires or lightning storms, retail businesses also face risks like data breaches or delayed shipments that should be planned for.
A look at how small- to mid-sized companies are vulnerable, what is at stake, and methods to help protect against hacking and data breaches. Employing employees can save the day, yet also expose you to claims of unfair employment practices.
Employee injuries or damage to inventory can occur at any retail business. We believe in providing value for your investment, giving you peace of mind without breaking the bank.
Protect Your Employees With Workers Comp. Retail store insurance can help compensate for this financial setback and keep your business afloat during tough times. Cyber insurance protects against losses caused by data breaches while guaranteeing the privacy and protection of customer sensitive information.
A commercial auto insurance policy is typically needed if you have a business vehicle, such as a delivery van. A retail store needs a Business Owner's Policy that covers general liability and property, including the store, its contents, which includes stock on or away from premises, and loss of income.
Protect yourself as an employer. If these assets are stolen or damaged, your insurance can replace or repair them, minimizing your losses.
Liability Insurance: Retail store insurance also shields you from lawsuits.
General Liability Insurance can assist in covering: Although general liability doesn't cover employee injuries, workers' comp insurance should cover these. Each of these issues requires separate insurance coverage.
Yes, most retail store insurance policies have a deductible that must be paid before the insurer will cover any losses or damages incurred by the business.
Business personal property (BPP) coverage covers equipment, furniture, fixtures, and inventory used or stored within your workspace - such as equipment that belongs to you personally as well as any you rent out or use for rental purposes.