Get Retail Insurance
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General liability + commercial property insurance in one easy package.

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Commercial Property

General Liability

Business Interruption

Best Small Business Insurance

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Thimble makes Office Insurance affordable.

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  • Pay monthly or yearly 
  • Business interruption coverage included
  • Add hired and non-owned auto insurance (if eligible) 
  • Add equipment breakdown coverage (if eligible)
  • Unlimited ACORD 25 Certificates of Insurance

What does Retail Insurance cover?

Retail Store Insurance is a specialized type of Business Owners Policy (BOP), which combines general liability insurance with commercial property insurance. This combination gives you robust coverage for the financial losses associated with common claims against retail stores. Think of it like your very own insurance BOGO.

With Retail Store Insurance, you get the following:

General Liability Insurance:
Provides financial protection if a non-employee third party, such as a customer or a passerby, suffers a bodily injury or has personal property damaged on your premises. For example, if a customer tries on heels and twists their ankle, you could be held liable. Retail Store Insurance can pay their medical bills.

Commercial Property Insurance:
This protection is for the building you own and your business contents within. It includes business building insurance, which can cover you if a fire breaks out in your store and damages the building itself. It also includes business contents insurance, which covers theft or damage of business property and within 100 feet of the premises.

Business Interruption Coverage:
Covers loss of income due to direct physical loss or property damage at your premises, helping you recover payroll for up to two months and lost income and operating expenses for up to a year.


You can also add optional coverage to your Retail Store Insurance that includes:

Equipment breakdown coverage:
If mechanical breakdown affects your business operations, this coverage protects you financially. 

Hired and non-owned auto coverage:
If you rent a truck to pick up consignment items and get into an accident, you could be sued for damages. This is where hired and non-owned auto coverage kicks in.

How do I get Retail Insurance?

Get Retail Insurance just by answering a few simple questions online, like:

  • What do you do?
  • Where do you work?
  • How big is your team (crew)?
  • How long do you need coverage for?

Thimble makes Retail Insurance affordable, with flexible options that allow you to:

  • Pay monthly or yearly
  • Get business interruption coverage (included)
  • Add hired and non-owned auto insurance (if eligible) 
  • Add equipment breakdown coverage (if eligible)
  • Get unlimited ACORD 25 Certificates of Insurance
  • Request policy changes or cancel online in minutes

The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for coverage is not guaranteed and all coverages are limited to the Terms and Conditions contained in the applicable policy. Read the full Privacy Policy here.