Retail Store Insurance
Comprehensive retail coverage that safeguards your store's property and protects against guest-related incidents, giving you the peace of mind to focus on growing sales while knowing your business is secured.
We understand retail's unique challenges and deliver protection backed by industry-specific expertise.
With decades of specialized experience protecting retail businesses, our expert advisors bring deep understanding of storefront operations and merchandising risks to every client relationship. We work closely with you to develop insurance solutions that safeguard against customer injuries, inventory loss, and employee liability while anticipating evolving retail security challenges. Our commitment to ongoing support ensures your retail establishment maintains comprehensive protection as your operations and customer base grow.
Our licensed insurance professionals specialize in retail store coverage, from small boutiques to large department stores and specialty chains. Through continuous monitoring of retail regulations, safety standards, and emerging market risks, we stay ahead of evolving industry challenges. This proactive approach ensures your policy provides comprehensive protection against customer injuries, inventory theft, and product liability concerns.
We go beyond standard retail coverage to provide comprehensive protection tailored to your store's unique needs. Our policies cover everything from inventory loss and equipment breakdown to customer injuries and employee dishonesty, ensuring no aspect of your retail business is left exposed.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Building and Structure Coveragesafeguards physical premises including walls, roofs, windows, fixtures, and permanently installed equipment against damage or destruction.
• Inventory Protection Insurancecovers merchandise, stock, raw materials, and finished goods against theft, damage, or loss during storage or transit.
• Business Equipment Coverageprotects point-of-sale systems, security cameras, refrigeration units, and other operational equipment from mechanical breakdown or damage.
• External Structure Protectionincludes coverage for signage, outdoor lighting, parking facilities, and landscaping features against weather or vandalism damage.
• General Liability Protectioncovers customer injuries, slip-and-fall accidents, and property damage claims occurring within store premises or parking areas.
• Product Liability Coverageprotects against claims related to defective merchandise, food contamination, or product-related injuries causing customer harm.
• Advertising Injury Protectioncovers copyright infringement, slander, libel, and unauthorized use of advertising ideas or business methods.
• Employee Practices Liabilitysafeguards against discrimination claims, wrongful termination suits, and harassment allegations from current or former employees.
• Revenue Loss Protectioncovers lost income during temporary closures due to fire, natural disasters, or other covered catastrophic events.
• Ongoing Expense Coveragemaintains payment for rent, utilities, and employee salaries during business suspension from covered disruptions.
• Supply Chain Disruptionprotects against losses from vendor failures, transportation delays, or manufacturing interruptions affecting inventory supply.
• Digital Systems Interruptioncovers revenue losses from point-of-sale system failures, network outages, or e-commerce platform disruptions.
• Employee Theft Protectioncovers losses from internal theft, embezzlement, and fraudulent activities committed by staff members handling money.
• Robbery and Burglary Coverageprotects against losses from forced entry, armed robbery, safe burglary, and theft of money.
• Credit Card Fraud Protectioncovers losses from counterfeit cards, unauthorized transactions, and electronic payment system breaches.
• Computer Crime Coveragesafeguards against cyber theft, electronic fund transfer fraud, and malicious system breaches targeting financial assets.
On average, Retail Store insurance costs around $2,500 annually; however, individual premiums vary based on several factors:
Stores in high-crime areas or flood-prone zones face higher premiums due to increased likelihood of property damage and theft claims.
Retailers storing high-value electronics or luxury goods typically pay more than those carrying basic household items due to theft risk.
Stores with advanced surveillance, alarm systems, and security personnel can secure lower premiums through demonstrated risk management measures.
High-traffic retail locations face increased liability premiums due to greater probability of slip-and-fall incidents and customer injuries.
Older retail structures or those with outdated electrical systems typically incur higher premiums than modern, code-compliant buildings.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Standard retail insurance covers theft by outsiders, employee theft, and armed robbery of merchandise and cash. Coverage extends to break-ins, shoplifting, and employee dishonesty, but policies may have sublimits for high-value items and cash. Security measures like surveillance systems and inventory controls are typically required. Some policies exclude theft without visible evidence of forced entry. Regular security audits, staff training, and maintaining accurate inventory records are essential for claim approval.
General liability insurance covers customer injuries on your premises, including slips, falls, and accidents involving store fixtures. However, coverage depends on maintaining reasonable safety standards and proper documentation of incidents. Regular safety inspections and maintenance are typically required. Some high-risk areas may need additional coverage. Implementing a formal incident reporting system, maintaining safety logs, and promptly addressing hazards helps ensure continued coverage validity.
Inland marine coverage within retail policies protects inventory during transit and temporary storage, including theft and damage. Coverage applies to shipments between locations, from suppliers, and to customers. Proper packaging and carrier selection are typically required. Some exclusions may apply for certain high-value items or specific transit methods. Maintaining detailed shipping records, using reputable carriers, and implementing proper tracking systems helps ensure smooth claims processing.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
