Home / Commercial / Retail


Theft is the most prevalent property risk that retailers face

A retailer was recently ordered to pay $1 million after a woman slipped on a wet floor inside the store, causing irreversible nerve damage. Slip-and-fall cases are the most common liability claims against retail operations, representing potentially disastrous losses for merchants. Business owners can also be held liable for slip-and-falls that occur in their parking lot.

In terms of property exposures, the most prevalent risk facing retailers is theft, which can lead to inventory losses and potential business interruption costs. Retail Coverage can help with property claims, including theft, fire and water damage, as well as GL claims such as slip-and-falls. Coverage is available for your clients who sell electronics, jewelry, antiques, clothing, art, recreation vehicles, liquor or other goods.

Coverage Details and Features

  • Flexible limits
  • Excess/Umbrella Coverage available
  • Property Coverage available including:
    • Building, contents
    • Business income
    • Computer equipment
    • Equipment breakdown
    • Loss of rents
    • Outside signs
  • Loss of income
  • Equipment Breakdown Coverage — including food spoilage
  • Money and securities coverage
  • Signs and glass

Target Classes

(including but not limited to)

  • Vape shops
  • E-cigarette stores
  • Stores with claims history
  • Shopping Center
  • Grocery Store
  • Antique stores
  • Art galleries and artist supply stores
  • Bicycle stores and sporting goods stores
  • Electronic stores, camera stores, and computer stores
  • Hardware stores, lighting stores, and key shops
  • Meat markets and delicatessens
  • Bridal shops
  • Optical stores
  • Jewelry stores
  • Pawn Shop

At Burns & Wilcox our expertise becomes your expertise. Our marketing materials are designed to help you give your clients what they want to hear – yes to almost any hard-to-place-risk.

Applications for this product may vary. Please click below to find the office nearest to you for assistance.

Office Locations