Retailers & eCommerce Insurance

So You Can Do Business As Usual.

Private artists, boutiques, flower shops and virtually every other type of business counts on Western Shelter Insurance as their go-to safety net insuring the potential for slips, spills, and other liability claims that could potentially arise. Regardless of the safeguards you put in place, customers will inevitably trip on a welcome mat, spill a drink on themselves, or bump their heads on something.
Most retail business owners interact with the public and have valuable assets including physical property and inventory which may be met with a simple Business Owners Policy (BOP). BOPs may include general liability, commercial property, and business interruption coverage types. BOPs offer a simple way for small retailers to administer and pay for their insurance needs by combining coverage into a single policy, which often leads to bundled savings. 

Since most retailers hire employees, workers compensation coverage is typically mandated. Depending upon the nature of your business, other insurance types may also be recommended. For instance, if you use a vehicle for deliveries, you will benefit from commercial vehicle insurance. Online retailers benefit from cyber liability insurance. 

If you operate a business, entrust your retail business to the team at Western Shelter Insurance with a minimum of a General Liability Policy to protect your business against unforeseen accidents, oversights, and legal action. With proper coverage, your retail business may even be covered if a disgruntled customer alleges harms himself and decides to sue you. The time and efforts spent defending yourself in court take away from your time increasing revenues if you don't have General Liability Insurance. Get with us to discuss the possibilities--coverage may be more affordable than you think!
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