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Insurance for Retailers

Get competitive insurance quotes for your retail shop or e-commerce website

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Retail and E-Commerce insurance coverage

Protect Your Shop Or Website With Customized Insurance

Small retail businesses are the backbone of many local economies and with so many different varieties of shops, each business faces numerous unique risks. We know that the time required to focus on keeping happy customers (through e-commerce or brick and mortar operations) may not leave you enough time to concentrate on insurance, too.

That is why hundreds of clients like you have relied on Winooski Insurance Agency to handle their commercial insurance needs since 1983. We help businesses focus on the work at hand while our knowledgeable agents assist you with your insurance requirements.

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Insurance Quotes For Retailers From Many Reputable Carriers

What Types Of Insurance Should A Retail Business Consider?

Business Owner's

Create a small business insurance bundle that could help you save money (Commercial Property and General Liability).
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General Liability Insurance

Protect your business from common third-party injuries, damages, and risks.
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Workers' Compensation Insurance

If you have employees your business needs coverage of on-the-job injuries.
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Commercial Property Insurance

Protect your company's property and inventory from damage or destruction.
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Commercial Umbrella Insurance

Increase your company's coverage when the cost of damages or a lawsuit exceeds an underlying insurance policy.
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Business Interruption Coverage

Replace your business's lost income during a covered disaster that shuts down operations.
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Frequently Asked Retail Insurance Questions

How much does insurance for a retail business cost?

Retailers can sell a broad assortment of products and services. This means that they are exposed to different types of risk which may change the amount and kinds of insurance coverage they require.

Ultimately, the cost of coverage is influenced by several key variables, such as:

  • Yearly revenue
  • Size of retail space
  • Rent or own store space
  • Inventory value
  • Number of employees
  • Type of products you sell
  • Do you offer additional services?
  • Business location
  • Past claim history

Speak with one of our licensed insurance agents to get an accurate retail or e-commerce insurance quote >

What type of insurance does a retailer need?

Every retailer offers something unique which means no two coverage requirements are the same. For example, a flower shop that also caters their products to special events may require different insurance coverage than a toy shop that operates out of the local mall.

Many retail businesses should consider some of these insurance policies:

  • Business Owner's Policy
  • Workers' Compensation Insurance
  • Commercial Auto Insurance
  • General Liability Insurance
  • Commercial Property Insurance
  • Business Interruption Coverage
  • Cyber Liability Insurance
  • Product Liability Insurance
  • Employment Practices Liability Insurance

To understand your business’s requirements, you should work with a knowledgeable insurance agent to identify which of these policies best fits your needs.

Which retailers need insurance?

Any retailer that sells items to a consumer (online, in-person, or both) should consider common retail insurance coverages. These companies include:

  • Flower shops
  • Jewelry stores
  • Pet stores
  • Clothing & apparel shops
  • Supermarkets
  • Discount stores
  • Department outlets
  • Drug stores
  • Gift shops
  • Toy shops
  • Convenience stores
How can I get insurance coverage for my retail business?

Since 1983 Winooski Insurance has been helping our clients find commercial insurance that works for them.

Reach out to one of our insurance agents through our request a quote form or visit our contact page for additional ways of getting in contact with us.

What Our Customers Are Saying

The entire team at Winooski Insurance have done an outstanding job of providing insurance coverage for my company. This is not always easy, as each project has to be reviewed by Winooski Insurance to verify that we have the required coverages.

David Bogue, President
Professional Construction Inc.

David Bogue, President

I have had my company insured with Winooski insurance for more than five years now. They are a valued partner in protecting my business property, employees, and vehicles. From the top dog, Jeff Mongeon, through their entire team, they are professional and responsive.

David Evarts, President
Flooring America

David Evarts, President

The team at Winooski Insurance provides our companies with value added services to ensure we are protected from all angles. They have helped us solve a number of complex problems and their service is always friendly and quick. Winooski Insurance is a valued and important part of our team.

Robert Murano, Jr., President
Mansfield Housing Group

Robert Murano, Jr., President