Shops · Boutiques · Storefronts
Insurance for retail stores in the GTA
Retailers juggle stock, customers and storefront risks every day. I put together coverage for your inventory, premises and liability so a bad day does not close your doors.
Who we insure
- Clothing
- Convenience
- Grocery
- Gift shops
- Electronics
- Pharmacies
- Furniture
- Online sellers
Coverage for retail
Stock and contents
Inventory, fixtures and improvements, with options for seasonal stock increases.
Commercial general liability
Responds to third-party bodily injury and property damage claims arising from your operations, subject to policy terms.
Business interruption
Helps replace lost income and pay ongoing expenses after an insured loss forces you to close temporarily.
Crime and theft
Employee dishonesty and money coverage, separate from regular property.
Glass
Storefront glass breakage, often with its own deductible.
Cyber liability
Helps with breach response, data restoration and liability if customer information is exposed.
FAQ
Questions I hear often
Does my landlord’s insurance cover my store?
No. Your landlord insures the building; you need coverage for your stock, improvements and liability.
Is shoplifting covered?
Shoplifting losses are often excluded or limited. Crime coverage addresses some theft risks.
Do I need cyber if I take card payments?
It is worth considering. Card data breaches can create notification and liability costs.
What about products I sell?
Your general liability usually includes products coverage, subject to the policy terms.