Flexible Coverage for Retail Stores & Storefront Operations
Retail risks often fall through the cracks — especially when there’s a mix of property exposure, public foot traffic, or theft concerns. We help independent agents place storefront risks that don’t meet standard carrier guidelines.
Our
mercantile program is built for general retail, convenience stores, grocers, and other walk-in businesses that need tailored protection through surplus lines.
Coverages Available
General Liability
Premises liability for customer slip & fall, product risks
Property Coverage
For building, contents, inventory, and signage
Business Income
Loss of income due to covered property damage
Theft, Vandalism & Burglary
Higher sublimits available
Equipment Breakdown
For refrigerators, HVAC, point-of-sale systems
Excess Liability
Optional for higher-limit needs
FAQs
Do you cover convenience stores with gas pumps?
No. We write in-store mercantile risks only. We do not currently offer coverage for locations with gas or underground storage tanks.
Can you write property-only or liability-only?
In most cases, package policies are preferred, but we may consider monoline coverage depending on the risk.
Do you need security details?
Yes — especially for stores with a theft history or in higher-crime areas. We’ll ask about lighting, cameras, safes, and alarm systems.
