There’s more to retail insurance than the price tag.
Retail business insurance provided by Strickler Insurance.
As a small to medium sized retail business owner you have a lot to manage. From making sure your stock is well supplied, to working with customers or doing all of the business’s paperwork. You juggle so much! Let us make sure when a ball is dropped, you are protected. If a lawsuit or costly expense were added to your schedule it would be difficult for your company to continue to exist and function. Don’t let your time and finances get overtaken by something business insurance could protect you from.
Get Retail Business Insurance You Need From Strickler Insurance
Strickler Insurance has been providing insurance coverage for retail stores and especially grocery stores for many years. Our team is experienced with helping many businesses protect their assets and property. Our retail insurance agents are ready to help you and your business today.
What Insurance Do I Need For A Retail Business
Get business insurance specifically designed for retail stores. While each retail store has its specific needs, we are equipped to make sure you are prepared for the worst. Your commercial retail business needs insurance coverage that fits your structure and covers your specific product, location and business as a whole. Retail businesses come in all shapes and sizes.
- Retail Business Business Owners Policy (BOP): Getting a business owner’s policy for a retail store is essentially a bundle of business insurance coverages designed to protect your business. A BOP is essentially a combination of liability insurance and property insurance all in one policy. Bundling your business insurance usually makes it more affordable.
- Retail Business General Liability Insurance: Liability insurance for a retail store is so important to have. Protecting yourself from lawsuits or liability your business might sustain. Not having liability insurance could result in your business being forced to close.
- Retail Business Workers’ Compensation Insurance: Having workers’ compensation for your retail store employees is so important. Not only is it required by the state that you have workers’ compensation for your retail store but it also helps save you money. By having workmans’ comp you are more likely to retain employees.
- Retail Business Business Crime Insurance: When running a retail store you know there is potential for robberies to occur. Having crime insurance for your business will protect you, your business, and all of your assets.
- Retail Business Cyber Liability Insurance: Cyber liability insurance is something almost every business needs. Think about any aspect of your retail store business that is present online. Imagine if any of that information or data were stolen or destroyed. Lacking cybersecurity has the potential to not only damage your business and reputation but to fully close your retail store doors.
- Retail Business Property Insurance: Having property insurance for your retail store will protect your organization’s assets and investments. Be prepared for fire, flooding, theft, or accidental damages that can occur on your retail store property.
- Retail Business Umbrella Insurance: Having umbrella insurance for your retail store is such an effective way to protect your business. Umbrella insurance takes all of your existing retail store insurance and increases its effectiveness with additional payout coverage.
- Retail Business Commercial Auto Insurance: Another insurance you might need is commercial auto for your retail store. If you deliver flowers or food, you have a commercial vehicle. Vehicles are one of your business’s largest investments, make sure you protect them.
Retail Business Employee Benefits
- Retail Business Health Benefits: Get group health insurance for your retail store employees. Keeping employees at your retail store business can be difficult, but by offering health insurance you can increase employee retainment and health for your whole organization.
- Retail Business Vision Benefits: Get vision benefits for your retail store employees. Not every business offers group vision insurance, especially not every retail store. This benefit will help your employees see how much you care about them and their vision.
- Retail Business Dental Benefits: Get group dental insurance for your retail store employees. Providing dental benefits makes your business stand out to potential employees.
How Much Does Retail Business Insurance Cost?
Because every retail business has different risks, costs for insurance coverage come in a wide range. If you run your own shop and do not have employees, you do not need coverage for your employees. If you run a business that doesn’t have a brick and mortar shop and never interacts with clients you need much less insurance than a retail business with multiple employees and a storefront in a city. Then again, a retail business that ships everything will need a different type of insurance coverage.
Do I Need Retail Business Insurance?
Yes, you need to be protected. Is insurance for your retail business required by the state? Technically no. Unless you provide licensed professional services, you are not required by the state of Pennsylvania to have insurance. You are of course required to have workman’s compensation for any employees you have. While you are not required to have insurance coverage for your retail business, it would be foolish to not have it. Too many people will file a lawsuit for tripping on the sidewalk in front of your store.
Get Your Pennsylvania Retail Business Insurance From Strickler Insurance
Strickler Insurance is located in Lebanon Pennsylvania. We have been serving business insurance to retail businesses in PA for many years. We want to provide you the best retail business insurance possible. Get your retail store insurance in Lebanon PA, Pennsylvania or one of our neighboring states. At Strickler we hope to provide the best retail store insurance. We provide retail store coverage in New Jersey, New York, Maryland, Delaware and Virginia. Contact us today for a free retail store insurance quote!
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