Insurance
For The North

Retail Insurance Expertise:
At 705 Insurance, our experienced brokers specialize in retail insurance and understand the risks unique to retail businesses. We work closely with business owners to ensure that they are fully protected against the diverse challenges they may face.

Comprehensive Coverage Options:
705 Insurance offers a variety of tailored coverage options to meet the needs of retailers, from sole proprietorships to large multi-location chains. Our policies are designed to protect your business property, inventory, employees, and customer interactions, offering peace of mind in every transaction.

Property Insurance:
Retail property insurance protects your store’s physical assets, including your building, inventory, equipment, and furnishings, against loss or damage from events like fire, theft, or vandalism. This ensures that your business can recover quickly after an unexpected incident.

General Liability Insurance:
Liability insurance covers your business in case of bodily injury or property damage caused by your products, services, or business operations. Whether it's a slip-and-fall accident in your store or a customer injury from a defective product, general liability insurance helps cover legal expenses and settlement costs.

Business Interruption Insurance:
If your business is forced to close due to an insured event like a fire or natural disaster, business interruption insurance covers lost income and ongoing expenses until your business can resume operations. This vital coverage ensures that your business can survive an unforeseen event without severe financial strain.

Product Liability Insurance:
Retailers who sell physical products need product liability insurance to cover legal fees and compensation claims if a product causes harm to a customer. This is especially important for stores selling food, electronics, or other consumer goods that could pose risks to health or safety.

Crime Insurance:
Retail businesses are often targets for theft, both internally and externally. Crime insurance covers losses resulting from employee theft, shoplifting, or other criminal activities. This coverage is essential for protecting your store’s assets from criminal acts.

Commercial Auto Insurance:
If your business uses vehicles for deliveries or other operations, commercial auto insurance covers damages and liabilities arising from accidents involving company vehicles. This is especially important for businesses that rely on a fleet for day-to-day operations.

Cyber Liability Insurance:
Retailers that conduct business online or handle sensitive customer data must consider cyber liability insurance. This coverage helps protect against data breaches, cyberattacks, and the costs associated with recovering from these incidents, including legal fees and customer notifications.

Umbrella Insurance:
For added protection, umbrella insurance provides additional liability coverage beyond your primary policies. This is useful if you’re facing a large claim or lawsuit that exceeds your standard liability coverage, ensuring your business remains protected.

Employment Practices Liability Insurance (EPLI):
EPLI protects your business from claims made by employees for issues like wrongful termination, discrimination, or harassment. As an employer, this coverage helps safeguard you against lawsuits and legal fees related to employment practices.

Flood Insurance:
In regions prone to flooding, flood insurance helps protect your business’s property and inventory from water damage. It’s essential for retailers in areas where floods are a risk, as standard property insurance typically does not cover water-related incidents.

Equipment Breakdown Insurance:
This coverage helps repair or replace critical equipment, such as point-of-sale systems, refrigeration units, or heating systems, in case of failure. Equipment breakdown insurance minimizes downtime and protects against costly repairs.

Tenant Insurance (for Leaseholders):
If you lease your retail space, tenant insurance can protect you against damage to the property you occupy, as well as any personal property inside the store. It’s essential for tenants who are not the property owners.

Get a Quote Today

Don't leave your retail business exposed to risks. Contact 705 Insurance for a tailored quote and let us provide you with comprehensive retail insurance coverage. Our experienced brokers are here to ensure that your business is fully protected, from property and liability to employee and product protection.