Business Insurance for Retail Stores

You’re always working to improve the way you do business. Maybe you switched to an eco-friendly dry cleaning process — or added ultra-premium hair products at your beauty shop. Perhaps you’re elevating the artistry of your shop’s floral arrangements.

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Whatever your specialization, you know you need to protect your retail store from the unexpected. And because Farmers® agents are small business owners just like you, they can help you understand coverage options as you analyze your needs and select coverage.

Here are just some of the risks you can help manage with Farmers coverage:

Property damage

Fallen Tree


A tree topples onto your building during a heavy ice storm, damaging your roof — and some inventory.


Business property insurance can help pay for damage to your building and business caused by vandalism, fires or other covered events.

Loss of income



Your shop must remain closed for several weeks to repair damage from a large fire that started in your storeroom.


Business income coverage can help replace lost profits while damage to your store and equipment is being repaired.




A customer in your boutique sprains a wrist when she trips over a shoebox that was left on the floor.


Business liability insurance can help with the cost of claims when a customer is injured at your place of business.

Employee theft



An employee forges your signature in order to cash a company check.


Business crime insurance helps cover money and securities losses stemming from robbery, fraud, forgery or employee theft of money or securities.

Get insurance you can tailor to your particular needs

With coverage from Farmers, you can select the coverage you want — and decide what insurance is right for your business. For example:

  • Equipment breakdown coverage can help pay for damage — and the resulting loss of income — if covered equipment fails as a result of a covered cause of loss.
  • Spoilage coverage can help reimburse you if perishable goods are ruined by a mechanical breakdown or power outage.
  • Transportation and cargo insurance can help with the cost of goods you are transporting for others if they’re damaged or lost in transit.
  • Personal and advertising injury insurance can help with legal liabilities if you inadvertently use another company’s slogan in an advertisement — or a competitor accuses you of slander.

Farmers works to build strong customer relationships

Farmers has spent 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a retail store insurance quote. Be sure to let a Farmers agent deliver personalized service and support.

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

To learn more about Farmers insurance options for your retail store, call an agent today.

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Customizable options, personalized advice.

Talk to a Farmers® agent about business insurance for retail stores.

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Running a Retail Shop? Take Some Time to Browse Insurance Coverage Options

I'm thinking about turning my online clothing boutique into a storefront, but I worry about the things that might go wrong. What type of insurance should I consider?

Who is Covered by My Business Insurance?

Your business policy can cover a wide range of people who have an interest in your company or perform work on its behalf. The coverage provided by your policy helps you protect yourself and others with an ownership stake in the company. In other words, a single business policy can cover the interests of all owners.

What Does Business Liability Insurance Cover?

Congratulations on the new business! Looking into business insurance options is a smart move. Business liability insurance coverage can help you pay legal costs when someone — such as a customer or visitor — is hurt or suffers property damage and blames you and your business. If your company is found to be at fault, your business is legally responsible for the costs.