We love retail business! Whether you are a clothing boutique, hardware store, florist shop, curio shop, or anything in between, Wilson Insurance endeavors to be the agency of choice for your business. As a family-owned company ourselves, we celebrate small business owners. We support local.
Together we can find solutions to address your insurance coverage and budget requirements
We don’t want you to pay more than you should either. We will steer you towards savings
We have been helping Arizona business owners for almost 40 years. We are your local insurance advocates.
Wilson Insurance is acutely looking to write the following classes of retail business:
Many factors influence your insurance costs such as:
This coverage provides coverage for your building, contents, business interruption and extra expense should you suffer a partial or total loss following a covered claim.
This coverage protects equipment from damage other than normal wear and tear. It also provides business income interruption coverage should you have to close down while the equipment is repaired – like an HVAC unit in the middle of an Arizona summer.
This coverage protects your business from bodily injury, premises, products and completed operations, personal and advertising injury, and even damage to your premise you rent or lease. It also provides legal expenses that are outside your coverage limit.
Your employees are your most valuable asset. This coverage protects them should they become injured on the job. If they do become injured, we can work with you to get them back to work quickly by implementing a Return to Work programs. This is a proven strategy to minimize claims and help contain your insurance costs.
Retail operations are in the top five industries for EPLI claims. While some insurance policies include nominal EPLI coverage in an enhancement, it may not be adequate for your exposure. For detailed information about EPLI coverage, check out our commercial lines coverage page.
Retail operations are in the top five industries for cyber claims. Why? Retail stores handle a large volume of customer information that includes credit card information. That puts you at a higher exposure. For more information about data breach and cyber liability, check out our commercial lines coverage page.
Common coverages include property, inland marine, general liability, commercial auto, workers’ compensation, and umbrella coverage.
Garage liability insurance covers bodily injury and property damage arising from the business operations of an auto repair shop. Garagekeepers insurance provides coverage for customers’ vehicles while they are in the care, custody, and control of mechanics. It covers damages from theft, fire, vandalism, and collision. Bailees’s coverage covers the loss of your customer’s property while you are working on their vehicles. This can be important coverage if your shop works with valuable vehicles or custom parts. Tools and equipment cover your shop and employees’ tools.
We recommend all bicycle repair shops include bailee’s coverage. It covers damage to or loss of customers’ bicycles while in your care, custody, or control.
Yes! If your business has periods of peak business, like florist shops around Mother’s Day and Valentine’s Day, we can program your policy to give you a 25% bump in property values.
While something is better than nothing, we recommend a separate EPLI policy so you do not have out-of-pocket expenses when an employee sues you. For more information about EPLI, check out our EPLI landing page.
Most likely not. While something is better than nothing, we recommend a separate data breach and cyber liability policy. This way, your leadership team knows you have adequate limits and defense support to protect your business and reputation when you have an incident.