Retail business insurance should address the shop, stock and products sold. A convenience store, grocery store and specialist retailer can have different storage, spoilage and product exposures.
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
Insurance Genie is an insurance request platform, not an insurer or insurance brokerage. Requests may be connected with participating licensed partners. Availability depends on your location, needs and partner eligibility. A request is not a quote or confirmation of coverage.
From a neighbourhood shop to a busy retail location, start with a clear description of what you sell, where you operate and the questions you want your broker to answer.
Explore retail coverage →Use these topics to frame a discussion with the licensed professional handling your request. They are questions to review, not a promise that every item is included in a policy.
Describe the full activity, including work away from the main premises and any secondary services. An incomplete description can make two proposals look comparable when they are based on different information.
Ask for the named insured, business description, covered locations, policy limits, deductibles and key exclusions. Check how defence costs, property valuation and any required endorsements are treated. A policy title alone does not tell you what an individual claim would receive.
If a landlord, lender, marketplace or customer has supplied insurance conditions, provide the actual document. Ask the licensed professional to identify requirements the proposed policy does and does not satisfy. A certificate is evidence of stated coverage; it should not be treated as a rewrite of the policy.
The price depends on the business activity, scale, location, claims history and selected protections. Request a review using your own facts instead of treating a generic industry range as a quote.
Insurance Genie connects requests with participating licensed partners. Products, territories and eligibility vary. Confirm who is handling your request and when any offered coverage would take effect.
Your questions, answered
Retail business insurance should connect the shop, stock, customers and sales channels in one clear description.
Food store insurance needs a discussion of refrigeration, spoilage, cooking and any age-restricted products. Record peak stock values and explain the effect of a loss of power or access to the premises.
A clothing shop insurance review should address seasonal inventory, displays, tenant improvements and online sales. Shoe store insurance, gift shop insurance and accessories store insurance need the actual product mix and replacement values.
Describe tools, chemicals, fuels, equipment rental and installation or delivery services. The risk review for a hardware retailer can differ from a bookstore insurance or hobby store insurance request.
Tell the provider about deliveries, installation, fragile stock, unique items and valuation methods. Stock on consignment or belonging to customers needs a separate explanation.
Business inventory insurance coverage and public or product liability serve different purposes. Online retailer insurance also needs the destinations, suppliers and products sold through websites or marketplaces.
Discuss property and stock, liability for customers and products, business interruption, crime and any delivery or cyber exposure. Shop insurance should match the actual activities rather than a generic store description.
Use accurate values and explain seasonal peaks, goods in transit, off-site storage and consignment arrangements. Ask how the policy values a loss and whether special limits or reporting conditions apply.
A wholesale operation may have different customer types, storage values, territories and contractual responsibilities. Explain both retail and wholesale activities when requesting business insurance for retail stores that do both.
Tell the licensed professional about online sales, where products are shipped and whether you import or manufacture them. Ask for the relevant activities and territories to be confirmed.
Prepare the activity description, current insurance, recent claims details and any contract requirements. Include the business-specific information listed on this page so the licensed partner can ask relevant follow-up questions.
No. A request is not a binder, policy or confirmation of coverage. The organization arranging insurance must confirm acceptance, terms and the effective date.
This page is general information. Ask the licensed professional handling your request to explain the proposed wording, limits, deductibles and exclusions. Coverage must be confirmed by the organization arranging it.
Background reading: Consumer insurance coverage guidance. Content updated September 9, 2026; coverage and availability remain subject to confirmation.
Contact us to discuss provider availability and the details needed for a useful conversation.
Explore my optionsClear answers to help you compare coverage and prepare for a licensed insurance review.
For video store insurance, describe inventory, rentals, equipment and customer access; identify any property owned by others in your care. Carpet store insurance should also account for stock values, deliveries and installation work. Retail premises coverage does not automatically cover every off-site activity. Give the broker the full operation and ask about liability, stock, tools, transit and interruption separately.
Identify the goods sold and their maximum values. Clothing, furniture, books, hardware, lighting, food, luggage and specialist stock can present different theft, damage and liability questions. Disclose used goods, repairs, installations, deliveries, customer property and online sales. Ask about building or tenant improvements, contents, inventory, interruption, theft and vandalism. A shopping-centre owner, wholesaler or vape retailer should not assume the same small-shop policy fits its operations.
Before you compare
Insurance for retailers should account for inventory, seasonal peaks, tenant improvements and online sales. Retail shop insurance for a convenience store, clothing shop or specialist retailer should describe the actual products sold and where they are stored.
List product categories, stock values, supplier locations, annual sales and any imports or deliveries. Ask about stock valuation, product liability, interruption and off-site storage. A proposal should explain how these exposures are treated, rather than relying on a retail coverage label.
Ask whether you are seeking protection for damage to your stock, responsibility for goods belonging to others, or injury caused by a product you sell. Those are different questions and may require different policy terms.
Prepare a stock valuation, product list, sales breakdown and description of the premises. Include online sales, imports, customer goods, deliveries and storage away from the shop. Compare proposals using the same information and ask how seasonal stock increases, product liability and business interruption are addressed.
Be prepared
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Scenario: Equipment used by the business is damaged or stolen.
What happens next: Document ownership, location and cause. Ask the insurer to review the insured property, exclusions, valuation and deductible.
Scenario: Damage prevents the business from operating normally.
What happens next: Keep revenue and expense records. Business interruption depends on the insured trigger, selected coverage and applicable terms.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
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