Your dreams of owning your own retail store have finally come to fruition. But as is the case with almost everything in life, the opportunity that comes with running a store also carries plenty of risk. You are the expert when it comes to sales, service, inventory control, bottom line management and other daily activities; choose us as your expert to manage the risks that you will surely be exposed to on a daily basis. Meslee Insurance works with a variety of carriers to find the appropriate Business Owner’s solutions for almost any type of business. Surely a retail clothing store needs different coverage than an ice cream shop. With so many types of stores and operations, it is important that you obtain the policy and endorsements that protect your unique situation. Our licensed and experienced staff is on call to help build the most complementary policy for your particular business. Whether you need coverage for inventory theft, equipment breakdown or liability, we are here to consult you on what you need and ensure that you have the necessary coverage at a price you can afford. Thousands have trusted us with their business insurance. Give us a call to find out why.

Basic Coverages you should consider when obtaining a Retailer Business Owners Policy


I: Business Property Insurance:

  • Building Property Coverage: Coverage to help you quickly repair or rebuild damages to the structure of the store. (Can be covered at Replacement Cost or Actual Cash Value)

  • Business Personal Property Coverage: Coverage to help you replace the contents in your store such as computers, desks, phones and more. (Can be covered at Replacement Cost or Actual Cash Value)

  • Business Income Coverage: Also known as Business Interruption Coverage, Business Income Coverage will allow you to continue to receive income while your store is being repaired or rebuilt. Not only does it cover costs for payroll and operating expenses but will also help by replacing lost revenue.

  • Outdoor Signs Coverage: Covers costs to replace outdoor signs, plants and shrubs, fences and more.

  • Ordinance or Law Insurance: Ordinance or law insurance covers the costs associated with having to demolish and rebuild to code when your building has been partially destroyed.

  • Other: Depending on the type of retail operation, there are many different and unique types of exposures. Meslee Insurance can help you find particular coverage endorsements that fit your operation. Examples of this could be Bailee Coverage for laundry and dry cleaner operations (to replace customer property in your possession) and Spoilage Coverage for florists and food stores (for loss of income arising from mechanical failures like power outage). Furthermore, there are many other optional endorsements designed to protect owners based on operation type.


II: Business Liability Insurance:

  • Premises & Operations Liability: Coverage that protects you from liability for injury or damages arising out of your premises or your business operations. For example, if a customer slips in your store and decides to sue you for injuries, premises and operations liability will cover injury and defense costs.

  • Products and Completed Operations: Coverage that protects you from liability arising out of your products or business operations conducted away from your premises once those operations have been completed or abandoned. For example, you are in the business of retailing homemade pasta sauce and one of your customers gets sick while trying your product. Should the case go to court, products and completed operations coverage will help handle the defense costs and legal damages that come with service of suit.

  • Personal & Advertising Injury Liability: Insurance that covers liability for a group of specifically named offenses not related to property damage or bodily injury but are common exposures to most organizations. Examples of this are false arrest, wrongful eviction, malicious prosecution, libel, slander, invasion of privacy, copyright infringement and more.

  • Employment Practices Liability: Coverage that protects you from wrongful acts arising from the employment process such as wrongful termination, discrimination and sexual harassment. EPLI coverage is also offered as a standalone policy and more information can be found bi visiting the EPLI section of our website.

  • Other: Just like with Business Property Insurance, there are many endorsements that can be found to protect your particular situation. Examples of this could be Liquor Liability Insurance or Barber & Beautician Liability Insurance.


III: Business Crime Insurance:

  • Employee Dishonest Coverage: Coverage that protects you from situations where your employee or group of employees are stealing inventory or acting dishonestly in various ways.

  • Money & Securities: Coverage that protects you from theft of money or other property stolen from your premise or from an employee performing tasks like going to the bank for a deposit.

  • Money Orders & Counterfeit Paper Currency Coverage: Coverage that protects you should you discover that customers have been using counterfeit currency to purchase your products or services

  • Forgery & Alteration Coverage: Coverage that protects you from outside accountants or bookkeepers that are acting dishonestly. An example of this could be a bookkeeper that is writing themselves checks payable by you!


Some Retail Operations that we commonly work with

  • Delis & Coffee Shops

  • Dry Cleaners & launderers

  • Florists

  • Clothing Stores

  • Barbershops and Beauticians

  • Supermarkets & Grocery Stores

  • Convenience Stores

  • Bakery & Frozen Deserts

  • Hardware & Home Improvement

  • Repair Shops

  • Sporting Good & Golf Shops

  • Electronic Stores

  • Day Spas & Tanning Salons

  • Fabric Shops & Draper Stores

  • Furniture & Lighting Stores

  • Pet Stores & Groomers

  • Musical Instrument Stores

  • Seafood & Meat Markets

  • Souvenir Shops

  • And much more


Other information

  • The coverages listed above are general coverages that you will find on most Retailer BOP policies. Additional and more specific coverage options are available based on the type of business.

  • Please visit our insurance glossary tab for a full list of insurance terms and definitions.

  • There are many discounts available to help reduce your premium. Please visit our learning insurance discounts page to find out more information on how to maximize your savings.


This page contains only a general description of coverages and is not a contract. Details of coverage or limits may vary in some states and by carrier. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.


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