Retail insurance

Commercial insurance coverage

Retail professionals can benefit from cover tailored to their activity. Whether you're a butcher, grocer, baker, tailor, convenience store or any other type of retailer, you'll have the right cover for the risks associated with your business.

Retail insurance covers goods such as buildingsThe same applies to income, especially in the event of loss of gross profit or rental income following a claim. Income is also covered, especially in the event of loss of gross profit or rental income following a loss. Insurance is also triggered when the loss is associated with a fraudulent act such as counterfeiting or embezzlement. Third-party liability is also protected in the event of bodily injury or property damage caused to others.

It's a complete solution that takes into account the specific requirements of this type of professional and the particularities of their business activity.

Commercial insurance broker

With Assur360, every policyholder benefits from optimum protection for his or her property. trade including the costs of defending any liability incurred.

All you need to know about retailer insurance

For professionals with retail businesses, they can benefit from coverage tailored to their needs and activities, while negotiating the best value for money.

About business interruption insurance

This type of guarantee covers loss of sales. To take advantage of it, all you need to do is contact a broker like Assur360, the specialist in multi-risk insurance and offers its customers guarantees tailored to their business losses.

Stores selling sporting goods, clothing or footwear are eligible. Butchers, grocery stores, bakeries, florists, convenience stores, repair centers, pharmacies, restaurants, stationers, furniture stores, auto parts stores, etc. are also covered.

Professional liability for errors and omissions

When professional liability is incurred as a result of an error or omission in the performance of a service or job, it's best to have adequate protection covering this type of risk. Web design agencies, security consulting firms, environmental consulting engineers, real estate agents and even building inspectors, among others, are eligible for this protection.

Optional coverage for your retail store

Business interruption coverage

This is a business insurance which compensates the beneficiary in the event of loss of income or business assets following an insured loss. Such insurance preserves the credibility and reliability of the structure and consolidates its image in the eyes of its various creditors, suppliers and even the banking establishments with which it does business.

Replacement value guarantee

This is a insurance covering buildings and equipment which allows compensation to be paid on a replacement value basis. It is obviously in the insured's interest to increase his or her limits, in anticipation of the penalties associated with the proportional rule clause.

Machinery breakdown warranty

This business insurance covers financial loss due to damage to pressure equipment, mechanical or electrical equipment. It should be noted that fire insurance and related guarantees, or comprehensive property insurance, do not cover machinery breakdown.

Directors' and officers' liability coverage

Visit director's liability or officer is engaged in the event of acts or omissions generating losses or mismanagement of the company's assets. This type of insurance covers lawsuits, unjustified dismissals and financial difficulties detrimental to the structure and its smooth operation.

Covering your business

Business owners use commercial property coverage to protect their brick-and-mortar location(s), inventory and/or equipment against potentially catastrophic damage that may result from events such as fire, flood, earthquake, tornado or windstorm. This type of insurance policy can be taken out on a named-perils or all-risks basis.

Example of a retail business:

• Beer, liquor and wine stores
• Wedding stores
• Candy stores
• Clothing stores
• Computer and electronics stores
• Resale and thrift shops
• Convenience stores and pharmacies
• E-commerce and online retailers
• Florists
• Furniture stores
• Grocery stores
• Jewelry shops
• Sports store
• Pets and pet supplies
• Cigarette, tobacco and vape stores