Retail and trade
insurance that doesn't quit
Find coverage built to withstand your toughest risks.
What insurance do
Retail and trade
businesses need?
We handle the details so you don't have to. Straightforward policies, honest answers, and support when it matters.
Business owner’s policy
A business owner’s policy, or BOP, bundles property, liability and business interruption coverage into a single policy, protecting against equipment damage, customer lawsuits, lost business income due to a covered event like a fire and more.
General liability insurance
General liability insurance covers damage and injuries a business or its contractors might cause to a third party — from a slip and fall in a store to a rock kicked up by a lawnmower that breaks a window, and everything in between.
Workers’ compensation
Workers’ compensation protects employees from work-related injuries, including slips, falls, lacerations and muscle strains. Policies cover all reasonable and necessary medical treatment as well as lost wages.
*Coverage needs vary by business — this reflects commonly needed lines, not a complete list of every policy your business may require.
How much does insurance cost for
Retail and trade
businesses?
The cost of
Retail and trade
business insurance depends on several factors related to your business's risk, including your specific trade, payroll, project types and chosen coverage limits. At EverPeak, we offer competitive rates starting at $18 per month.
Why choose EverPeak for workers’ compensation coverage?
FAQs
Even online-only retailers can carry risk — from product liability to cyber exposure. And if you run your store from your home, your homeowners' policy likely won't cover business-related claims. It's worth talking to an agent about what fits your specific setup.
A Business Owner's Policy (BOP) can help cover inventory lost to theft or damage, depending on your policy's terms and limits.
Many commercial leases require proof of general liability insurance before move-in. Check your lease terms and confirm with your landlord directly.
Ready for insurance that works as hard as your business?
We’ll help you secure the coverage you need.