// http://paulirish.com/2011/requestanimationframe-for-smart-animating/ // http://my.opera.com/emoller/blog/2011/12/20/requestanimationframe-for-smart-er-animating // requestAnimationFrame polyfill by Erik Möller. fixes from Paul Irish and Tino Zijdel // MIT license

Car genie will search 100s of leading Canadian insurance providers to find you the best deal.

Business Insurance for Retail Stores

Protect Your Retail Store with Comprehensive Business Insurance

Get real quotes from top business insurance providers.

Intact Insurance
Aviva Insurance
Coachman Insurance
Coachman Insurance
Wawanesa Insurance
Facility Association
Unica Insurance
Travelers Insurance
Optimum Insurance
Pemier Insurance
SGI Canada
Pem Bridge Insurance Company
Economical Insurance
Jevco Insurance
Echelon Insurance
Coachman Insurance
Wabisa Mutual
Coachman Insurance
Compare rates from Canada's leading business insurance providers.

Safeguard Your Retail Business with Comprehensive Insurance Coverage from Insurance Genie

At Insurance Genie, we understand the unique challenges faced by retail businesses. From inventory protection to liability coverage, our comprehensive business insurance solutions are tailored to meet the specific needs of your retail store. With our expertise and reliable coverage, you can focus on growing your business with peace of mind, knowing that you are protected against potential risks and unforeseen circumstances. Trust Insurance Genie to be your partner in safeguarding your retail store.

Tailored Coverage Solutions for Every Retail Store Owner

Running a retail store comes with its fair share of challenges. From protecting your valuable inventory to ensuring the safety of your customers and employees, numerous risks can impact your business. That's why having the right business insurance is crucial for the success and longevity of your retail store. At Insurance Genie, we understand the unique needs of retail store owners like you, and we offer comprehensive insurance solutions tailored to protect your business from the unexpected.

Specialized Insurance Solutions for Different Types of Retail Stores

At Insurance Genie, we recognize that not all retail stores are the same. That's why we offer specialized insurance solutions tailored to different types of retail stores, including clothing and apparel stores, electronics stores, home goods retailers, grocery and convenience stores, specialty shops, and more. Our insurance policies are designed to address the specific risks and challenges faced by each type of retail store, ensuring that you have the right coverage in place.

Retail Product Liability Insurance: Ensuring Product Safety

If your retail store sells products, product liability insurance is crucial. It offers coverage for legal claims arising from defective products that cause harm or injury to consumers. With our retail product liability insurance, you can have confidence in the safety and quality of the products you offer to your customers.

Boutique Insurance: Customized Coverage for Your Unique Boutique

As a boutique owner, you understand the importance of a personalized shopping experience. At Insurance Genie, we offer boutique insurance solutions tailored to the unique risks boutique retailers face. From inventory protection to customer liability coverage, we have the expertise to protect your boutique business.

Department Store Insurance: Comprehensive Coverage for Large-Scale Retailers

Managing a department store comes with its own set of challenges. Our department store insurance provides comprehensive coverage for the diverse range of risks associated with running a large-scale retail operation. With Insurance Genie, you can focus on delivering an exceptional shopping experience to your customers, knowing that your department store is protected.

Online Retail Insurance: Safeguarding Your E-Commerce Business

Our online retail insurance is designed to meet your specific needs if you operate an online retail business. It provides coverage for risks unique to e-commerce, such as data breaches, cyber-attacks, and shipping-related issues. With Insurance Genie, you can protect your online retail store and ensure a seamless shopping experience for your customers.

Specialty Store Insurance: Tailored Coverage for Specialty Retailers

Specialty retail stores have unique risks associated with their niche products and customer base. Our specialty store insurance offers customized coverage to address the specific risks faced by specialty retailers, whether you operate a jewelry store, electronics store, or any other specialty retail business.

Electronics Store Insurance: Protection for Your Valuable Electronics Inventory

As an electronics retailer, your inventory consists of high-value and delicate items. Our electronics store insurance provides comprehensive coverage for your electronics inventory against risks such as theft, damage, or malfunction. With Insurance Genie, you can focus on showcasing the latest gadgets while knowing your inventory is protected.

Clothing Store Insurance: Comprehensive Coverage for Fashion Retailers

Clothing stores require specialized insurance coverage to protect inventory, display materials, and customer interactions. Our clothing store insurance offers comprehensive coverage that addresses the unique risks fashion retailers face. From protecting your clothing stock to providing liability coverage, we have you covered.

Grocery Store Insurance: Safeguarding Your Grocery Business

Grocery stores have distinct risks related to perishable goods, food safety, and customer interactions. Our grocery store insurance provides comprehensive coverage that safeguards your business against these risks. With Insurance Genie, you can focus on providing fresh produce and essential items to your customers while we protect your grocery store.

Home Goods Store Insurance: Protecting Your Retail Business and Customers

Home goods stores offer a wide range of products for customers' homes, including furniture, appliances, and decor. Our home goods store insurance offers coverage for the inventory, property, and liability risks associated with operating a home goods retail business. With Insurance Genie, you can provide quality products for customers' homes while ensuring your business is protected.

Covering the Spectrum of Retail Risks

As a retail store owner, you face a wide range of risks that can potentially disrupt your operations and financial stability. At Insurance Genie, we offer comprehensive coverage options to protect your retail store against common risks in the industry.

General Liability

Accidents happen, and your retail store could be held liable for injuries or property damage suffered by customers or third parties on your premises. Our general liability insurance offers financial protection in such situations, covering legal expenses and potential settlement costs.

Product Liability

If a product you sell causes harm or injury to a customer, you may be held responsible. Product liability insurance safeguards your retail store against claims related to defective products, ensuring that you can handle legal obligations and protect your reputation.

Business Interruption

Unforeseen events, such as a fire or natural disaster, can temporarily halt your retail operations. Business interruption insurance provides coverage for lost income and ongoing expenses during the downtime, enabling you to recover and resume business as quickly as possible.

Retail Property Insurance: Protecting Your Store's Physical Assets

Your retail store's physical assets, including the building, inventory, and equipment, are vital to your business operations. Our retail property insurance provides comprehensive coverage for your store's physical assets, safeguarding against risks such as fire, vandalism, and natural disasters. With Insurance Genie, you can be confident that your retail store's property is protected.

Retail Theft Insurance: Safeguarding Your Business Against Theft

Retail theft can have a significant impact on your bottom line. Our retail theft insurance offers coverage against losses resulting from theft and shoplifting incidents. We understand the challenges that retail store owners face in preventing and managing theft, and our insurance solutions are designed to provide financial protection in the event of such incidents.

Inventory Insurance for Retail Stores: Protecting Your Valuable Stock

Your retail store's inventory is the lifeblood of your business. With our inventory insurance, you can protect your valuable stock against risks such as damage, loss, or spoilage. Whether it's clothing, electronics, or perishable goods, Insurance Genie has you covered.

Retail Business Interruption Insurance: Minimizing Financial Losses

Unforeseen events, such as natural disasters or utility outages, can disrupt your retail store's operations and result in financial losses. Our retail business interruption insurance provides coverage for the income lost during these periods of business interruption. It helps you recover and resume operations without the added stress of financial strain.

Retail Cyber Liability Insurance: Safeguarding Against Online Risks

In today's digital age, retail stores face cyber threats that can compromise customer data and disrupt business operations. Our retail cyber liability insurance offers protection against cyber risks, including data breaches, hacking, and ransomware attacks. With Insurance Genie, you can confidently navigate the digital landscape and protect your retail store from online vulnerabilities.

Workers' Compensation for Retail Stores: Ensuring Employee Protection

Your employees are a valuable asset to your retail store. Our workers' compensation insurance provides coverage for work-related injuries or illnesses that your employees may experience. It not only protects your employees but also safeguards your business from potential legal and financial liabilities.

Retail General Liability Insurance: Protecting Against Accidents and Claims

Accidents happen, and retail stores are not immune. Our retail general liability insurance provides coverage for bodily injury or property damage that occurs on your premises. It protects your retail store against potential lawsuits and helps you navigate the complexities of liability claims.

Unparalleled Service and Support

Insurance Genie is committed to providing exceptional service and support to retail store owners. We go beyond simply offering insurance coverage; we strive to be your trusted partner in managing risks and protecting your business.

Personalized Assistance: We understand that every retail store is unique, and your insurance needs may vary. Our experienced agents take the time to understand your specific requirements, offering personalized assistance and guiding you towards the insurance solutions that best fit your business.

Risk Management Resources: Insurance Genie provides access to a wealth of resources to help you effectively manage risks in your retail store. From loss prevention strategies to employee safety guidelines, we offer valuable insights and practical advice to mitigate risks and enhance the security of your operations.

Claims Support: In the unfortunate event of a claim, we're here to support you every step of the way. Our dedicated claims team ensures a smooth and efficient claims process, working diligently to expedite your claim settlement and minimize any disruptions to your business.

Trusted by Retail Store Owners Across Canada

Insurance Genie is proud to be a trusted insurance provider for retail store owners across Canada. Our reputation is built on delivering reliable coverage, exceptional service, and a deep understanding of the retail industry. We have helped numerous retail store owners safeguard their businesses and gain peace of mind knowing they are protected against potential risks.

Get a Tailored Insurance Solution for Your Retail Store Today

Don't leave the security of your retail store to chance. Insurance Genie is here to offer you the tailored insurance solution your business deserves. Our team of experts is ready to assist you in assessing your insurance needs, answering your questions, and providing a customized quote that fits your budget.

Protect your retail store and ensure its long-term success with comprehensive business insurance from Insurance Genie. Contact us today to get started on securing the protection your retail store needs.

Why Choose Insurance Genie?

business insurance for retail stores

Simplified Claims

Insurance Genie is dedicated to providing a simplified claims process for our retail stores insurance policyholders.

tailored insurance solutions for commercial offices

Tailored Solutions

Our tailored solutions ensure you have the right coverage to safeguard your assets and investments.

Unparalleled customer service for office insurance

Unparalleled Service

Insurance Genie prides itself on delivering unparalleled customer service and claims assistance to our valued clients.

Save BIG!

See how HomeGenie saves you money on home insurance.
Quoted from:
February 3, 2023
Male, 29 years old
Average rate
Our rate
Quoted from:
January 31, 2023
Male, 34 years old
Model X
Average rate
Our rate
Quoted from:
January 26, 2023
Male, 64 years old
Average rate
Our rate

Clients TRUST our business insurance

You're a quick quote away from tailored business insurance and savings.
Get a Quote!

Stay Ahead of Risks with Insurance Genie's Business Insurance for Retail Stores

Running a successful retail store comes with its share of risks. From theft and property damage to customer accidents and product liability, it's essential to have the right insurance coverage in place. At Insurance Genie, we specialize in providing comprehensive business insurance solutions designed to protect retail stores. With our tailored policies, you can confidently navigate the challenges of the retail industry, knowing that you have a trusted insurance partner by your side.

Frequently Asked Questions

What types of insurance coverage do I need for my retail store?

At Insurance Genie, we offer a range of insurance coverage options specifically designed for retail stores. Our comprehensive policies typically include general liability insurance to protect against customer injuries or property damage, property insurance to cover your store's physical assets, such as inventory, equipment, and fixtures, and business interruption insurance to help you recover lost income in case of unforeseen disruptions. We also offer additional coverages tailored to your unique needs, such as cyber liability insurance for online retail operations. Our experienced agents can assess your specific requirements and help you customize a policy that provides optimal protection for your retail business.

Does business insurance cover theft and shoplifting incidents?

Yes, theft and shoplifting incidents can be covered under a comprehensive business insurance policy. Our retail store insurance coverage includes coverage for theft, burglary, and robbery. This means that if your inventory is stolen or your store is subjected to vandalism or break-ins, Insurance Genie can help you recover the financial losses. It's important to review the specific terms and conditions of your policy to understand the coverage limits and any additional requirements for filing a claim. Our knowledgeable team is here to guide you through the claims process and ensure that you receive the support you need during such challenging situations.

How can I protect my retail store against liability claims from customer injuries?

Liability claims from customer injuries can have a significant impact on your retail business. That's why our retail store insurance policies include general liability coverage. This coverage helps protect you in the event that a customer is injured on your premises and holds you responsible. Whether it's a slip and fall accident or a merchandise-related incident, Insurance Genie is here to provide the necessary coverage and support. We recommend maintaining a safe and well-maintained store environment, training your staff on proper safety protocols, and promptly addressing any potential hazards. By prioritizing safety and having comprehensive liability coverage in place, you can mitigate the financial risks associated with customer injury claims.

Are my inventory and equipment covered under business insurance?

Yes, protecting your inventory and equipment is a crucial aspect of retail store insurance. Our policies typically include coverage for your inventory, which encompasses the products you sell. This coverage helps safeguard your inventory against risks such as theft, fire, vandalism, or damage caused by natural disasters. Additionally, our property insurance can extend coverage to include your equipment, such as cash registers, shelving units, and displays. It's important to keep an accurate inventory record and update your coverage as your inventory fluctuates. Our team at Insurance Genie can guide you through the process of determining the appropriate coverage limits for your inventory and equipment, ensuring that you have adequate protection in place.

Can I add additional coverage for online sales or deliveries?

Absolutely! In today's digital age, many retail businesses engage in online sales and deliveries. At Insurance Genie, we understand the importance of protecting these aspects of your retail operations. We offer additional coverages, such as cyber liability insurance, to safeguard your online presence against potential data breaches, hacking attempts, or other cyber risks. We can also help you explore options for coverage related to delivery services, ensuring that you have adequate protection for your goods during transit. By addressing the specific risks associated with online sales and deliveries, you can enhance the resilience of your retail business and protect your customers' sensitive information.

Get Insurance Genie working for you!

A live underwriter is standing by to give the best rate.
Step 1 of 3

Business Information

Is your mailing address the same as the business address?
Do you own or lease the building/unit that the business operates from?
Are all employees and physical locations based in Canada?
Is your company a Canadian domiciled company?
Do you have employees or physical locations in Quebec?
< Back
Step 2 of 3

Business Details

It's a pleasure to meet you! We're looking forward to knowing more about your company. Just a few more questions and we can find you the best fit for your business insurance.

Do you have a similar insurance policy in place?
Will all your revenue be generated in Canada?

Optional Coverage

Stand by for a live agent. You are contacting a live insurance quote specialist who can get you the best rate possible by submitting this quote.
By submitting this quote, you agree to the Privacy Policy and permit Insurance Genie's representatives to contact you about their products. I understand I may withdraw my consent at any time.  

Stand by while we get your quote.

Please stand by while a live insurance agent reviews your information. An agent will be with you shortly.

Your application has been referred to our Underwriting team. Certain risk attributes require a real-live underwriter to sign off before releasing your terms. Examples: higher limits, older risks, and claims records.

Return to Main Menu

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Alfa Romeo
Aston Martin
Land Rover
Learn more about CGL Insurance

CGL provides coverage for bodily injury or property damage caused by products you sell, services you offer or locations from which you operate. The insurance coverage provided within a CGL policy includes Employers Liability, Employee Benefits Liability, Tenant's Legal Liability, Products Liability, Personal Injury, Advertising Injury, Completed Operations, and Non-owned Automobile.

We suggest you have at least $2M as your liability limit
Learn more about what's included:
  • Employers Liability: Most employees are covered by worker's compensation but some employees do not qualify. Thus, the employers' liability provides bodily injury if an employee gets hurt at work—specifically, office employees who are not covered by worker's compensation.

  • Employee Benefits Liability: Provides employers who make an error or omission in administering their employee benefits program.

  • Tenant's Legal Liability: Included within most commercial general liability policies; and provides coverage for damage to a premise that you rent or control in which a covered peril damages the rented space within your care, custody and control. The policy does not cover the property you own within the rented space, only the damage caused to the landlord's property.
  • Products Liability: This is included within most commercial general liability policies and provides coverage for any bodily injury or property damage caused by the products you sell.
  • Personal/Advertising Injury: Encompasses a range of non-physical injuries that stem from specific actions. These actions include, but are not limited to, false arrest, detention or imprisonment, malicious prosecution, wrongful eviction or entry, defamation through oral or written publications, and infringement of an individual's right to privacy. These injuries may arise from various scenarios, such as being falsely accused, wrongfully evicted or having one's reputation tarnished through defamatory statements.
  • Completed Operations: Refer to injuries that are not physical and occur after a specific action or event has been completed. These actions include, but are not limited to, false arrest, detention or imprisonment, malicious prosecution, wrongful eviction or entry, defamation through oral or written publications, and infringement of an individual's right to privacy. These injuries may occur as a result of a completed service or project and can have long-lasting effects on the individual or organization involved. It's important to note that these injuries differ from Bodily injuries, which are physical injuries caused by an accident or incident.
  • Non-owned automobile: This coverage offers protection against liability when an employee uses their personal vehicle for business purposes. It is meant to cover situations where a business-related accident occurs while an employee is driving their car, not the company-owned one. This coverage is intended to fill the gap when the employee's personal auto policy needs to provide adequate protection. It's important to note that this coverage applies only when the vehicle is not owned, registered or contracted by the named business or on its behalf.