Insurance For Retail Shops in San Diego

General Liability Insurance

General liability insurance covers basic risks, so you will get protection if someone rather than your employee gets hurt, and your business is held accountable for damages.

Business Owner Policy (BOP)

It combines general liability insurance with commercial property insurance at a lower rate than purchasing them separately. Due to its increased affordability and coverage, it is the most often recommended policy.

Professional Liability Insurance

Also known as errors and omissions, it helps you protect yourself if a client accuses you of making a mistake that causes them to lose money. It covers actual or alleged professional negligence, legal defense costs, and legal judgment.

Product Liability Insurance

This is insurance for retailers who manufacture, sell, distribute, or repair products. Without it, your retail store may have to pay out of pocket for property repairs, medical expenses, legal fees, and other expenses related to product defects.

Workers’ Compensation

Protecting your employees against work-related injuries and illnesses is mandatory in most states. It will help you pay for medical expenses, lost wages, survivor benefits, permanent injuries, and employer liability.

Commercial Property

A commercial property policy is always a wise choice if you own or rent physical space. It will help you pay for damages if your business is out of order due to a covered event like a fire, vandalism, or burst water pipe.

Brands and Labels Endorsement

This property insurance policy endorsement grants the policyholder permission to remove labels and brands and/or stamp salvage on merchandise (re-mark items) damaged by the covered loss.

Commercial Auto Insurance

This type of insurance will cover medical expenses, collision repairs, and rental reimbursement if you own a business-owned vehicle. We offer protection for various vehicles and trailers common to retail businesses.

Business Interruption

In cases when a disaster strikes and you need to close your business to make repairs, this policy will cover the lost business income and operating expenses as a result of the closure.

Employment Practices Liability Coverage (EPLI)

This insurance provides coverage to employers against claims made by employees alleging discrimination, wrongful termination, harassment, and other employment-related issues.

Crime Insurance

Commercial crime package protects you from the costs associated with funds and computer transfer funds, forgery and alteration, theft of a client’s property, money and securities, and employee dishonesty.

Equipment Breakdown Policy

Costs to repair and replace broken or damaged equipment, lost income, necessary expenses incurred during the restoration period, and spoiled inventory is covered with equipment breakdown insurance.

Liquor Liability Insurance

Retailers who manufacture, sell, and distribute alcohol are subject to dram shop laws. These hold businesses legally responsible for the actions of the clients who cause harm to the third party after consuming too much alcohol, so having liquor liability insurance can help you financially.

Signs Insurance

Signs insurance includes damage to signs due to vandalism, breakage during transportation, electrical surges, repair, or installation. Also, it will cover for accidental loss of indoor or outdoor signs attached to the building.

Umbrella Insurance

This is extra insurance that provides insurance over and above the existing policy limits and coverages of other policies. It provides ‘excess liability insurance,’ simply meaning additional insurance coverage.