Commercial Insurance - Retail

As a retail business owner, you're used to serving your customers and ensuring their needs are met. Let us do the same for you with affordable Retail Insurance. We're here to help protect your business with comprehensive coverage, competitive rates and strong knowledge of the retail industry.

Retail Insurance Policy Coverage

Our Retail Insurance program offers property, loss of income, crime and liability coverage for owners of:

Advantages of our Retail Insurance Policy Coverage

Competitive Coverage & Rates

Our Retail Insurance coverage has been crafted by experts in the insurance industry that focus on your needs as a business owner.

Discounts for Commercial Buildings

We can help save you money on your Retail Insurance by offering some valuable loss prevention tips and preventative measures that can earn you a discount.

Strong Knowledge of the Retail Industry

Our network of Agents and Brokers know the retail industry well. Need some advice? We’re always happy to help.

Types of Coverage

• Property Coverages
  • Building (if you are the owner of the building, we insure the physical structure(s) on the premises)
  • Contents (including stock and/or equipment usual to your business)
• Ayr Farmers Mutual’s “Automatic Extensions of Coverage”

  Your policy will include 38 extra coverages free of charge for your operations. This is unique to our company’s commercial products. 

• Loss of Income Coverage

  If an insured loss causes your retail operation to temporarily shut down, we provide coverage (up to a certain limit) for lost income until repairs are complete.

• Crime Coverage

  What if you or one of your employees has a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

• Commercial General Liability Coverages

  These coverages are included with your Retail Insurance:

  Bodily Injury & Property Damage

  Coverage for injury to other people or damages caused to their property caused by your retail operations, products, and injuries that occur on your premises.

  Personal Injury and Advertising Liability

  The financial damages owed and cost to defend you in court when the advertisements produced by your retail operation cause others a loss or injury. (e.g., libel or slander)

  Medical Payments

  The medical related expenses related to an injury caused to another on your retail premises (rehabilitation costs, for example).

  Tenants Legal Liability

  Damages caused to the property of others while you are renting a location to operate your retail business.

  Non-Owned Automobile

  Can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for business purposes such as driving to the post office or picking up supplies.

• Other Coverages

  These optional coverages may also be of interest to you:

  Sewer Backup

  Covers loss or damage to your commercial building and/or contents caused by the sudden and accidental leakage or escape of water from a sewer, septic tank, septic system, floor drain or sump pit.

  Earthquake

  Covers damages caused by an earthquake to your building and/or contents (including snow slide, ice slide, and landslide as a result of an earthquake).

  Equipment Breakdown

  The sudden and accidental failure of equipment resulting in physical damage. Covers the repair costs of the equipment.

  Commercial Auto

  If you own a vehicle that is primarily used in the operation of your retail business, you will need to insure that vehicle on a commercial auto policy. A personal automobile policy does not include coverage for business operations.