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Agency Blog

What Kind Of Insurance Does A Retail Shop Need?

3/6/2023

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​Every business is prone to unexpected accidents and risks. As a business owner, you must protect your business against lawsuits, property damage, and common risks. Retail business insurance offers a policy that may cover your business financially when unforeseen circumstances happen, such as an injured employee or customer, theft, damaged equipment, and many more.

Before launching a business, it is crucial to understand what kind of insurance your retail shop might need. Choose the right retail insurance that suits your shop to protect your business. Some retail insurance includes commercial property insurance, general liability insurance, business income coverage, and worker's compensation coverage.

Although business insurance will not prevent accidents, it will surely help protect your business from financial threats. Here are four common insurance that your retail shop might need.
General Liability Insurance 
General liability insurance is retail insurance that should financially cover your business whenever someone gets harmed inside your premises. For instance, if a customer falls and breaks their bone inside your business, liability insurance can help you pay for the medical expenses of your customer.

Commercial Property Insurance 
The physical property of your business, like inventory, computers, and documents, can be protected by commercial property insurance. If someone steals your business equipment, commercial insurance may help to compensate for your lost assets. 

In addition, damage to property caused by a thunderstorm, lightning, strong wind, and fire is also covered by commercial property insurance. 

Business Income Coverage 
The business income insurance may temporarily cover your shop when you need to close it due to property damage. Generally, business income insurance may aid your store by paying for costs, including payroll and lost revenue. 

Worker's Compensation Coverage
Employees should also be protected in the same manner as your business. One of the benefits of worker's compensation insurance is that it can help pay your workers' medical fees due to work-related injuries and accidents sustained at work.

Conclusion 
Starting a business can be challenging, but having insurance that can assist you regarding finances is essential. Retail insurance shields your business from a range of dangers while protecting your customer, employee, and property from various threats.

At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!
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Brad Spurgeon Insurance Agency Inc.
1118 14th Street N
Texas City, TX 77590
(409) 945-4746​
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Galveston, TX 77554

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