Business Insurance >Retailers
Business Insurance
Retailers Business Insurance
PIA has been tailoring insurance programs for retailers since we opened our doors in 1960. We insure small one man flower carts to interstate and international franchise organizations. Insuring "Main Street" USA is part of what makes PIA an important partner in every business community.
What kind of coverage do you need?
As a bare minimum you should carry:
- General Liability to insure against third party negligence claims.
- Property to insure buildings, office equipment, stock, loss of income, and inventory.
- EDP to insure your computer hardware and software equipment.
- Transportation and Cargo to insure goods in transit away from your premises.
- Crime to insure against employee theft, and theft of monies and securities.
- Peak Season Endorsements to insure additional stock and product during heavy production periods.
In addition to the above types of coverage you may need:
- Workers Compensation which is required by law if you have any employees.
- Auto Insurance if your company owns any vehicles.
- Umbrella Liability Insurance for extra protection.
- Mechanical Breakdown Insurance to cover sudden and accidental loss due to electrical surges in your air conditioning, appliances, or electrical systems.
Other considerations that we highly recommend are:
- Employment Practices Liability to insure against employee suits arising from sexual harassment, wrongful termination, and discrimination.
- Fiduciary Liability to insure against employee suits arising from employee benefit plans.
- If your organization has a website we also recommend Media Liability Insurance.
To get your free, no hassle quote call PIA toll free now, 800-596-7333 or complete our on line quote form