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NEW for 2026: Changes are coming to Ontario Auto Insurance. Learn what's staying, what's optional and how to protect your loved ones.

Retail Insurance

Retailers face numerous risks, from loss or damage to their stock and display equipment to liability for slip-and-fall incidents. If you lease your retail space, you will likely need to provide proof of liability coverage to your landlord, who may also require you to insure the building’s glass, signs, and other features.

Online retailing has become essential for businesses of all sizes, introducing various new cyber risks. A retailer’s package, customized by one of our commercial experts, can help ensure you have the necessary coverage in the event of a loss, allowing you to recover and resume operations as quickly as possible.

A woman with a thoughtful expression holds a tablet in a stylish clothing store. She stands among racks of colourful dresses, conveying a modern retail setting.

Recommended Insurance for Retailers

Property coverage for your stock and display equipment, computer and point-of-sale equipment, glass, and signs, along with equipment breakdown, business interruption (profits form), and crime coverage—including employee dishonesty, burglary, robbery, funds transfer, and credit card forgery—form the foundation of any retail insurance package. Additionally, commercial general liability, including products and advertising liability and cyber loss expense coverage, is essential for comprehensive protection.

A store employee in a blue cap and apron organizes products on brightly lit shelves. The setting is orderly and focused, conveying diligence and professionalism.

Specialized Coverage for Retailers

Most retail risks should also include Extended Cyber coverage, including cyber liability coverage. Depending on the location, sewer backup, flood, and/or earthquake coverage should also be considered. Extensions of property and liability coverage for stock in warehouses or storage facilities can also be added, along with coverage for stock in transit.

Looking For A Personalized Approach For Your Insurance Needs?

Our team of caring and knowledgeable professionals will help you find the right coverage to suit your unique circumstances. Let's get started. Just click the link below and we'll reach back to you in a responsive and timely manner.

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