Am I liable for a product I sold but didn’t make?

Generally not. Ordinary shoplifting is treated as a cost of doing business and is usually excluded or subject to inventory-shortage limitations. Crime coverage responds to employee dishonesty, robbery and forgery [...]

Business interruption covers it, including continuing expenses like rent. For seasonal retailers, check how the policy measures lost income, since a closure during your peak is far more costly than [...]

Forensics, customer notification, credit monitoring, legal defense, regulatory fines where insurable, and card brand assessments. Those costs arrive quickly and are what sink small retailers, not the breach itself.