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Retail Business Insurance

  • Enjoy peace of mind with a custom business insurance policy.
  • Protect your business, employees and merchandise.

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What is Retail Business Insurance?

Retail stores have unique needs compared to other types of businesses. Retail insurance is customized to fit those unique needs, protecting your business and property.  

SPEAKER: Whether your business has a single office or storefront or spans multiple locations, it's important to protect what you've worked so hard for.

Insurance policies for your business are an important part of your financial protection.

At American Family Insurance, our agents can help you customize coverage for your unique business needs and set you up to manage your policy online 24/7, including easy access to your certificates of insurance.

Just click and print whenever you need it.

With business insurance, you can be covered for more than just loss of equipment or damage to your place of work.

By adding just the right mix of coverages for your specific needs to your policy, we can help you protect your bottom line in many ways, from employer liability to medical expense coverage and even protection in case of dishonest employees.

As an example, let's say one of your office printers short circuits and causes a fire.

Your business insurance can help pay for the damages and help you get your business back on track.

So just how much coverage do you need?

It might be more than you think.

Think about the cost of rebuilding your business-- replacing your equipment or covering expenses for you or your employees.

Ready to get the perfect policies to help protect your business against the unexpected?

Reach out to an American Family Insurance agent or visit us online at AmFam.com to get your personalized quote.

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When Retail Business Insurance Helps

Retail business insurance can protect your livelihood from the unexpected. Here are some examples of how it can help.

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American Family Insurance agents know what it’s like to manage employees. This common quality they share with small business owners means they know how to help.
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Stolen or Damaged Merchandise

Shoplifters target your store, impacting your business profitability. Building and business personal property coverage can help. With business personal property coverage, you could receive a payout, up to policy limits, for stolen goods.
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Compromised Store Technology

Someone breaches the security of your business, potentially exposing sensitive customer data. Our optional cyber liability coverage may help pay for damages and fines incurred in the event of a breach.
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Temporary Closure After Property Damage

Damage from an accidental fire proves so extensive that it shuts down your business operation. While your business is closed for repairs, business income coverage may cover lost income up to your policy limits.
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Frequently Asked Questions

Trusted by over 12 Million Customers & Counting

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90+ Years

Over 90 years in business protecting our customers
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Ranked by Forbes

Named one of America's Best Insurance Companies by Forbes

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12 Million Customers

Reliable, quality coverage for customers across 19 states

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*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.


**Customer is responsible for the cost of any oil or gas delivered. 


***Some restrictions apply. Contact your agent for full details. 


†Discount and savings amounts and product eligibility will vary by state, property type, policy form and company underwriting the casualty and/or property policy. Discounts may not apply to all coverages on a casualty or property policy. Discounts do not apply to a life policy. Some restrictions may apply.