Why retailers choose EMC
We’re more than just an insurance provider—we’re a partner. We take the time to understand how your operation runs, then tailor coverage to help protect your people, property, and inventory from the risks you face every day. You’ll work with a local independent agent who knows your community and has your back, plus gain access to risk control resources that can help prevent losses before they happen. And if something does go wrong, our claims team is there with responsive, fair support to help you recover and keep moving forward with confidence.
What is retail insurance?
If you run a retail business, you’re juggling people, products, property, and data every day—and each comes with risk. Whether you’re stocking shelves, ringing up customers, or managing deliveries, retail insurance helps protect what you’ve built from the unexpected.
Our coverage is designed for a wide range of retail businesses, including:
| Appliance or hardware stores | Auto parts stores |
| Beverage and grocery stores | Bike stores |
| Book or hobby shops | Building materials or garden supply stores |
| Clothing stores | Delis or restaurants |
| Fence dealers | Floor covering stores |
| Florists | Ice cream shops |
| Pharmacies | Sporting goods stores |
| Vending machine operators | And many other retail categories |
How much does retail insurance cost?
The cost of retail insurance isn’t one-size-fits-all. Every store is different, and coverage should reflect that. Your premium is based on a mix of factors that help ensure you’re protected without paying for coverage you don’t need.
Some of the most common factors include type of retail business, location and building details, size of your operation, coverage selection and limits, and claims history and risk management practices. Because these factors vary from business to business, the best way to understand your cost is to work with an independent insurance agent. They’ll help tailor coverage to your retail operation—so you get the right protection at the right price.
What insurance do I need as a retailer?
EMC’s retail insurance offers essential coverages to help protect your business from common—and costly—risks:
General liability insurance
Commercial auto insurance
Property insurance
Inland marine insurance
Workers’ compensation insurance
Commercial umbrella insurance
Cyber liability insurance
Risk control resources
Loss prevention doesn’t have to be complicated. Our retail risk control resources help you spot issues early and create a safer environment for employees and customers alike.
Visit our Retail loss control page to explore online safety tools, checklists, and guidance designed specifically for retail businesses.
Retail loss control
If an accident happens, we’ll take care of you.
As an insurer, we get the chance to do the right thing every day. We’re proud to be known for responsive, empathetic, and fair claims handling, always ready to step up and be there for you when you need us.
Our claims service score of 4.6/5 demonstrates our dedication.
Based on data through Jan. 2025
