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Business Insurance Policies for Retailers

A robust blend of coverage. At affordable rates.

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Whether you’re selling across the country or right downtown, you have a knack for finding the right selection for your customers. But when it comes to choosing the coverage for your business, it often can be hard to find just what you’re looking for.

We’re Simply Business. We can help you shop.

Not to worry. We’re insurance pros and small business champions. We can help you determine the coverage you may need and find affordable policies from leading insurers that are easy to understand and even easier to put in place.


Business Owners Insurance. Something every retailer should carry.

From sourcing suppliers to managing staff to pleasing customers, you’ve got a lot to handle. It can be easy to overlook insurance. It also can be risky for your business. A business owners policy (BOP), can make a lot of sense for a store owner.

A business owner's policy combines different coverages, such as property and liability insurance, into a single policy. Just like a good selection of products can delight many different customers, the right selection of coverages can protect you from different types of claims.

Here are some examples:

  • Heavy rain has left the store entrance wet. A customer slips and falls on a poorly secured mat and has to go to the hospital. A business owners policy that includes general liability insurance may be able to help cover medical costs and other related claims (up to your policy limits).
  • You arrive at the store in the morning and notice that the door lock has been damaged by vandals and needs to be replaced. With lock replacement coverage, which may be available as an add-on, the cost of repairing the damage likely doesn’t have to come out of your pocket.
  • There is a break-in at your store in the middle of the night and the most expensive inventory is stolen from the shelves. Business personal property coverage as part of your BOP insurance may help take care of replacing the goods.

Without BOP coverage, you could be solely financially responsible for claims or damages that arise from any one of those events. And that could spell disaster for your business.

You live by quality and service. So do we.

Trust and good reviews matter in the retail business. The same is true with insurance. Here are a few things we're proud of at Simply Business.

  • More than 50,000 U.S. customers
  • 4.7/5.0 rating from
  • Live support from U.S.-based call center
  • Licensed agents with small business expertise

The signature collection.

Just like the merchandise you carry, your insurance coverage is unique to your store. That’s why we work with leading insurers to find policies and compare prices. Then we put together insurance solution options for your business and your budget.

You can even choose to pay all at once or with convenient, monthly installments.


Your retail business moves efficiently - so do we.

We do what we do quickly. Spend 10 minutes online or on the phone and we’ll put together your quote. That way, you can spend more time doing what you do best – running your business.

Keeping it looking fresh.

Just like your inventory may change with the season or new products, we know your insurance needs can change as well. That’s why we’re here after the sale with advice and to answer any questions you may have. We work with a variety of insurance providers and present you with options. That way, you control how your BOP insurance is put together — the same way you control what you offer your customers.

Let’s get started.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.

© Copyright 2023 Simply Business. All Rights Reserved. Simply Business, LLC is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In California, we operate under the name Simply Business Insurance Agency, LLC, License #0M20593. In Colorado, we operate under the name Simply Business, LLC DBA Simply Business Insurance Agency. In New York, we operate under the name Simply Business Insurance Agency. In Pennsylvania, we operate under the name Simply Business Insurance Agency, LLC. In Texas, we operate under the name, U.S. Simply Business, LLC. For more information, please refer to our Privacy Policy and Terms & Conditions.