Retail Business

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Retail Business Insurance

Get retail insurance at affordable rates

As one of the world’s most complex and valuable industries, it’s critical that you protect your business. Whether you’re a small one-person operation or a larger retailer with an owned supply chain and a large number of employees, Rogers can help you develop a retail business insurance program that fits your needs and budget.

Our experienced and professional retail business insurance brokers understand the industry and are experts in insurance. They can help you determine your insurance needs, find you the best value coverage for your budget, help you manage your risks, and advocate on your behalf in the event of a claim.

As a leading employee-owned insurance brokerage in Canada, we’re working for you, not an insurance company. Because we’re independent, we have access to a large number of insurance markets, which allows us to offer truly competitive retail business insurance quotes.

Learn how you can safeguard your business by reading on or contacting us today for a retail business insurance quote – online, by phone, or at one of our offices.

Give us a call if you’re looking for insurance outside of Alberta – we can still help or direct you to one of our trusted business partners.

Areas We Serve

  • Calgary
  • Red Deer
  • Fort McMurray
  • Alberta


Who needs Retail Business Insurance?

If you sell a product, whether that’s online or from a physical location, you should have retail business insurance. Retail includes:

  • Bakeries
  • Clothing stores
  • Florists
  • Food and grocery stores
  • General merchandise stores
  • Gift shops
  • Pet stores
  • Print shops
  • … and many more

Retail Business Insurance Coverage

Retail business insurance can be customizable to your individual operation. Common coverage includes:

  • Home-Based Business – If you’re operating your retail business out of your home, you need to have home-based business insurance to ensure you’re protected. By default Your home insurance broker won’t cover anything related to your company’s property or liability. This can leave you on the hook for replacing destroyed inventory or covering the costs of a lawsuit if a customer gets hurt.
  • Property Insurance – This coverage protects your premises and its contents, including your inventory and equipment.
  • Commercial General Liability – You can be held liable if an injury or property damage happens at your retail shop – could you afford a lawsuit from someone who slipped and fell while in your store? This coverage helps cover those expenses.
  • Product Liability – If a product you sell hurts someone or causes damage to their stuff after purchase, you can be held liable. This protection helps cover the medical, property replacement, and legal expenses related to such an incident.
  • Cyber Liability – As retailers often handle personal information, it’s critical that your business is protected if you have a data or privacy breach. This coverage can help you deal with an incident.
  • Business Interruption – If you’re forced to shut down due to a mandatory evacuation or covered loss, this coverage helps you pay your bills. You may also be eligible for help to temporarily locate your shop.
  • Equipment Breakdown – This covers repair or replacement of mechanical or electrical equipment if it breaks down or if something happens that is not normally covered by property insurance.
  • Crime Coverage – Business-related crime protection is included in this coverage, such as employee theft, forgery, and fraud.
  • Commercial Auto– If you have vehicles registered in your company’s name or use vehicles for work purposes, you should have a commercial auto policy. As a business, you’re at a higher risk for litigation if there’s an accident, plus you may need coverage for inventory and equipment that you’re transporting. The mandatory auto insurance in Alberta includes third-party liability, accident benefits and direct compensation property damage; however, there are also coverages you may want to add to your policy to enhance your protection. 
  • Employee Benefits – We work with Canada’s largest benefit providers to build plans for your company, including extended health benefits, critical illness, life, and disability insurance.

Of course, this isn’t an exhaustive list. Our retail business insurance brokers will be able to design a protection plan tailored to your company’s needs and budget.

Benefits of Retail Business Insurance

Insurance cannot prevent bad things from happening, but it can help your business survive them. It helps reduce the financial burden of an unexpected event and can aid in your recovery. You also have access to risk management and educational resources.

It also gives you peace of mind. While no one wants to have to get through a catastrophe, you will have support in a difficult time with the proper retail business insurance. As your broker, we’re here to help you navigate claims and get your company up and running as soon as possible.

How much does Retail Business Insurance cost?

The cost of your retail business insurance coverage will depend on a variety of factors. These include:

  • Your insurance and claims history
  • The age, building material, and type of premises, as well as its roof and systems such as heating, electrical and plumbing
  • The value of your inventory and other contents
  • Where you operate your business
  • Security features
  • Your retail insurance options

Depending on the size of your business and the type of retail operation, there may be many more additional influences on the price of your retail business insurance.

Our brokers will get you competitive retail business insurance quotes and advise on the best value coverage for your money. We can also help you manage your risks and review how you can reduce your premiums.

Working with the best Retail Business Insurance brokers

Since 1977, Rogers Insurance has been a trusted commercial insurance broker. From our roots in Alberta, we’ve grown to be a leading employee-owned brokerage in Canada. We have access to global markets, enabling us to provide competitive retail business insurance quotes for companies large and small. Because we’re independent, you can trust that we’re working for you, not an insurance company.

We believe in a hands-on, human-first approach to insurance and we guarantee exceptional customer service. Our professional and experienced retail business insurance brokers can help you determine your insurance needs and balance them with your budget. They’re also your insurance and risk management resource and your advocate and guide through the claims process.

We’re here to help you protect your company. You know your business, and we know insurance. Together, we can develop a retail business insurance program that fits your company.

Get started with a free retail business insurance quote and see what Rogers Insurance can do for you.

Start a Conversation With One of Our Expert Brokers Today to Determine the Right Coverage for You.

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