Whether you are a Florist, Model Shop, Sporting Goods Store, or any other type of retailer, you are open to claims on a daily basis. Employee theft accounts for 45% of all crime-related losses. Despite security measures, employee theft is an ongoing problem for retailers. If you keep electronic records for your customers, you are at risk for data breach. You also have a liability exposure as a retailer, whether it be from a slip/trip and fall on your premises, injury to a customer from one of your products, or as a result of your faulty work on a customer’s product. We have a wide variety of carriers to provide you with the appropriate insurance for your business. While you focus on your inventory and business growth, let us take care of making sure you’re properly covered.
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The claim scenarios described here are offered solely to illustrate the types of situations that may result in claims. The precise coverage afforded by any insurer is subject to the terms and conditions of the policies as issued. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law.