Types of Retail we serve
- Amazon Sellers
- Antique Stores
- Art, craft, and hobby supply stores
- Auto parts stores
- Beer, liquor, and wine stores
- Bike shops
- Bridal shops
- Candle shops
- Candy stores
- Clothing Stores
- Computer and electronic stores
- Consignment and thrift stores
- Convenience stores
- Cosmetic stores
- Crafters and artisans
- Dispensaries
- E-commerce and online retailers
- Fabric stores
- Floral Shops
- Furniture stores
- Gift Shops
- Grocery stores
- Hardware stores
- Jewelry stores
- Music stores
- Paint and wallpaper stores
- Pets and pet supplies
- Pharmacies and drugstores
- Print shops
- Smoke, tobacco, and vape shops
- Sporting goods stores
- Vending machine operators
Common questions about Retail
Answering the most frequently asked questions about Retail.
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 instead.
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 the annual average suggests.
Yes. Everyone in the chain of distribution can be named, including the retailer. Vendor endorsements from your suppliers can help, but they don’t remove you from the lawsuit.
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.
It covers the core: liability, contents and business income. It typically does not include product liability at adequate limits, cyber, crime or equipment breakdown, all of which most retailers need. Treat a BOP as a foundation, not a finished program.
You can lower premiums by implementing safety measures, choosing higher deductibles, and bundling policies. Regularly reviewing and updating your coverage can also help ensure you have the best rates.
A BOP combines general liability and commercial property insurance, covering risks such as property damage, business interruption, and liability claims.
Yes, if you have employees, most states require you to carry workers’ compensation insurance.
The cost varies based on factors like the type of products sold, location, and number of employees. On average, it ranges from $500 to $2,000 annually for comprehensive coverage.
Retail stores typically need general liability, commercial property, and workers’ compensation insurance. Depending on your business, you may also need cyber liability and product liability insurance.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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