Our Retail Store Program is designed to cover a wide array of retail and mercantile risks for over 75 classes of business.  These risks may include:

• Antique Stores *
• Appliance Stores
• Army/Navy Stores
• Auto Parts Stores
• Beverage Stores *
• Bicycle Stores *
• Bookstores/Video Stores
• Candy Stores
• Clothing Stores
• Collectible Stores *
• Computer Stores *
• Electronic Stores *
• Floor Covering Stores
• Florists
• Furniture Stores
• Gift Shops
• Hardware Stores
• Hobby Stores
• Home Improvement Stores
• Ice and Water Stores
• Ice Cream Stores
• Jewelry Stores *
• Mail Box Stores
• Music Stores
• Musical Instrument Stores *
• Newsstands
• Office Machines (no repair)
• Paint/Wallpaper
• Picture Framing

* Theft Coverage Prohibited unless otherwise endorsed onto the policy

General Liability Underwriting and Rating Guidelines

• Up to $1MM/$2MM limits available
• Umbrella/Excess available
• Installation, service or repair operations to be rated separately
• Refer to Underwriter for Liquor Liability exposures

Property Underwriting and Rating Guidelines

• Up to $2MM TIV
• Higher Limits available
• Equipment Breakdown coverage available
• 10 percent sublimit for theft, if eligible