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Ferrari & Associates Logo with white text and red shield

1-888-467-8989

Ferrari & Associates Logo with white text and red shield

Protecting Your Business

RETAIL Insurance

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One of the key components of a successful retail shop is being covered by the right retail insurance policy. Anyone who has made a career out of retail knows that there are countless variables to consider when running a shop, and it can be difficult to stay on top of all the risks at once.

These services include tenants’ legal liability, seasonal increases, stock coverage, stock spoilage, crime coverage (including employee dishonesty), employment practices liability, commercial general liability, business interruption and more.

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Insurance for Entrepreneurs, Retailers and E-Commerce

Whether you run a brick-and-mortar store, an online shop, or a combination of both, your retail business faces a variety of risks. From theft and property damage to cyber threats and supply chain disruptions, having the right insurance coverage is essential to protecting your inventory, customers, and bottom line.

Ferrari & Associates offers tailored insurance solutions for retail businesses, ensuring that you stay protected against the unexpected—so you can focus on growing your brand and serving your customers with confidence.

Commercial Property
Insurance

Whether you own a fashion boutique, electronics shop, furniture store, or a warehouse full of inventory, your business property is one of your biggest investments.

Commercial property insurance protects your storefront, stock, fixtures, signage, and business equipment from unexpected events like fires, theft, vandalism, storms, and burst pipes.

Additionally, it covers signage, shelving, display cases, and cash registers—anything essential to your daily operations. For retailers with storage facilities or warehouses, this policy could extend to protect bulk inventory and warehouse operations. It’s a must-have for any retailer with a physical location or a stockroom full of valuable merchandise.

Commercial General
Liability Insurance

General liability insurance is a fundamental coverage for both physical retail stores and e-commerce businesses.

It protects against claims related to customer injuries, property damage, and advertising issues. If a shopper slips and falls on a wet floor in your boutique, or if a customer trips over a display shelf and sustains an injury, this policy is intended to cover their medical expenses, legal fees, and potential settlements.

Retailers who run marketing campaigns or social media ads should be aware of advertising liability—if another business sues for copyright infringement, defamation, or false advertising, general liability insurance provides legal protection.

Product Liability Insurance

Retailers selling clothing, cosmetics, electronics, food, home goods, or any physical products need product liability insurance to protect against potential lawsuits.

If a defective product you sell causes injury, illness, or property damage, your business could face costly legal claims—even if the product was manufactured by someone else.

Even businesses that re-sell third-party products (like drop-shipping or e-commerce businesses) can be held liable for defective merchandise. Product liability coverage ensures that your business doesn’t face financial ruin due to a single product claim.

Business Interruption Insurance

Business interruption insurance compensates for lost income if your business is unable to operate due to a covered event, such as a fire or major storm.

This coverage can help pay for ongoing expenses, such as rent, utilities and employee wages, during the recovery period and while your business is being repaired.

Unexpected events can lead to significant downtime, impacting revenue. This coverage ensures your business can maintain financial stability while getting back on track.

Inventory & Stock Insurance

Your shop's inventory is the heart of your business. Whether you store products in a warehouse, retail shop, or fulfillment center, inventory & stock insurance protects against losses due to theft, fire, water damage, or transit mishaps.

Inventory and stock insurance also covers stock in transit, ensuring protection if shipment losses occur due to accidents or theft.

Cyber Liability
Insurance

Cyber Liability Insurance is for retailers who sell products online, store customer information, or process credit card payments.

If your e-commerce store is hacked and customer credit card details are stolen, cyber insurance is intended to cover the cost of notifying affected customers, hiring IT security experts, and handling lawsuits.

Even for brick-and-mortar stores with online payment systems, this insurance provides protection against ransomware attacks, fraud, and security breaches.

Commercial Automotive Insurance

Retail businesses that offer home deliveries, transport inventory between locations, or operate company vehicles need commercial auto insurance.

This policy is intended to cover accidents, vehicle damage, liability claims, and medical expenses if a business-owned vehicle is involved in an accident.

For example, if a delivery driver for a furniture store is involved in a collision, this insurance covers vehicle repairs, medical costs, and liability claims.

Equipment Breakdown Insurance

Retail businesses rely on point-of-sale (POS) systems, security systems, refrigeration units, and essential machinery to operate efficiently.

If this equipment fails due to power surges, mechanical breakdowns, or unexpected failures, equipment breakdown insurance helps cover the cost of repairs or replacements.

For example, if a refrigeration failure in a grocery store causes significant product loss, this coverage helps replace damaged inventory and repair the fridge.

Our business insurance solutions provide retailers with peace of mind.

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retail insurance for Brick & Mortar, online & mobile

Business Cases

Our experienced retail insurance advisors are here to help you find the coverage that best fits your unique business needs, whether you operate a brick-and-mortar store, an e-commerce business, or both.
Boutique Clothing Store in Toronto
A burst pipe floods a high-end fashion boutique, damaging thousands of dollars in merchandise. Commercial property and inventory insurance cover the loss, allowing the store to restock and reopen.
A data breach exposes customer payment information from an online store. Cyber liability insurance covers the costs of forensic investigations, legal fees, and customer notification expenses.
A customer sues after a defective phone charger purchased in-store causes a fire. Product liability insurance covers the legal fees and settlement costs.
A warehouse fire destroys a retailer’s entire inventory. Business interruption and inventory insurance cover the financial loss, allowing the business to recover.
INSURANCE QUOTE

*The information provided on this page is for information purposes only and should not be taken as insurance advice. For actual insurance advice, please fill out one of our forms, or call Ferrari & Associates at 1-888-467-8989

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