Retail insurance

Whether you run a neighbourhood market or a virtual shop, a high-profile store or a home-based boutique, your retail business must stay protected. Learn how and when our retail insurance can cover your company.

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Who needs retail insurance?

Retail businesses come in all shapes and sizes – so should retail insurance coverage.

Here are a few industries that may want to consider a specialized retail policy:

Household goods

Household goods

Drug stores

Drug stores

Clothing retailers

Clothing retailers

Furniture stores

Furniture stores

Specialty food stores

Specialty food stores

Ready to get started? Let’s begin with the pressing question…

What does retail insurance cover?

Working with our reputed brokers, we tailor our retail insurance to the most common risks in your industry – and to others you may not have considered. Your policy is built on important basic coverages for retail businesses of all sizes.

Here are a few ways some key coverages can come to your rescue:

Commercial property

Important coverage for your important inventory (and tools and shelter)

A retail business depends on valuable materials, effects, and devices to keep the daily routine moving. Imagine that a pipe bursts in the night, or an electrical problem sparks a blaze, or a critical piece of equipment breaks down during your busiest week of the year. Could your company cope with the loss – and with the repair or replacement costs to get things back on track quickly?

Your retail insurance policy includes property coverage to help you rebound when a disaster strikes. It’s designed to support you in case your building, lot, or important tools and equipment were to be damaged or destroyed. Fire, vandalism, and extreme weather are just a few of the risks that your coverage needs to address.

Commercial general liability (CGL)

A problem for your customer can be painful for your business

Forgot to wipe up a spill in the aisle? No big deal. Unless, of course, a customer were to slip and fall and break their wrist. Now that spill is a very big deal for your business, especially if the injured party pins the blame on you and takes legal action.

In this case, you can count on your commercial general liability (CGL) policy – the foundation of your business insurance coverage – to come to your aid. CGL is designed to cover costs (like legal expenses) arising from a bodily injury or another type of loss to a third party.


Guard your goods

When your wonderful window display attracts unwanted attention, you could fall victim to theft – and the destruction that may come with it. A broken window or door is just the beginning: lost inventory, stolen equipment, and vandalism could set you back a lot of money, stress, and recovery time.

Crime coverage is a crucial feature for retailers, since your array of valuable goods can leave you more vulnerable to robbery than some other types of businesses. Not sure how much coverage you need to cover your assets? A broker can help you determine the right amount of coverage for your unique retail business.

We can include these other helpful coverages for retail businesses, too:

  • Cyber
  • Business interruption
  • Errors & Omissions
  • Auto fleet
  • Equipment breakdown
  • Business income
  • Inland marine
  • Commercial automobile
  • Garage automobile
  • Umbrella liability
  • Excess liability
  • Directors & Officers

Take the first step toward your new policy.

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What can you expect from your policy?



Our underwriting team understands the exposures in the retail sector, so we can adapt and expand our offerings as our customers’ needs grow. This means we’ll be able to get you up and running again quickly after an unexpected incident.



We hope you never experience a loss, but if you do, you can count on our dedicated claims team to help get you back to business. We’ll work together with your broker to get the claims process underway as soon as your claim is reported, and we’ll always keep you in the loop. If any questions or concerns should arise, don’t fret – we’re here for you 24 hours a day, 7 days a week.



You can enjoy the perks of your policy well before you experience a loss. Our Risk Services team works hard to help keep your business running safely, smoothly, and consistently with detailed bulletins, workplace risk assessments, and onsite training.

Our Assist Services

On top of our comprehensive core coverage and exceptional customer service, your business insurance policy grants you access to our Assist services* for extra peace of mind.

Legal Assist

Need legal advice? You have unlimited telephone access to legal guidance and insight on a wide variety of legal topics related to your business – no question is too small!

Trauma Assist

Losses can bring extreme emotional fallout, so we offer access to confidential 24-hour counselling to help our customers, their employees, and their family members cope.

Risk Management Assist

Our team of Risk Services specialists is at your service: customers can enjoy unlimited telephone access to experts who can help mitigate risks with advice and guidance on a range of loss prevention topics.

Cyber Assist

We’ve partnered with CyberScout to offer consultation on data and cyber risk management, including proactive measures to protect your business and reactive measures to help you recover from a breach.

Learn more about how and when our Assist services can come to your rescue!

Managing your risk

Unparalleled industry expertise, professional guidance, and innovative approaches to managing risk help our Northbridge Risk Services experts stay one step ahead of the crowd. Each year, our team conducts over 5,000 risk assessments and service calls for businesses across Canada. Our onsite assessments are complemented by a selection of in-depth training programs and educational tools to help companies excel in their industries.

Our Risk Services team offers technical publications to help you gain a better understanding of the potential exposures in your industry, and they can provide personal guidance to help fine-tune your daily operations. Find out more about what our experts can do for your business here.

Ready to get the coverage your business needs?

Request a Quote Now!

* Legal Assist not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage, and provided by Assistenza International, through lawyers licensed in your jurisdiction. Risk Assist provided by our Risk Services specialists and are intended to augment your internal safety, compliance and risk management practices, and are not a substitute for professional or legal advice. Trauma Assist provided by independent third-party professionals, long-term and specialized counseling not included. Cyber Assist provided by CyberScout services are not included in any cyber extension or endorsements. Services are not an insurance policy, not all policies are eligible, contact us for details.
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