Commercial Insurance
Retail & Shops insurance.
Coverage built for the shop you run every day.
Who we cover
You opened the doors, stocked the shelves, and built a name your regulars trust. Whether you run a storefront on Elmwood, a boutique in the Southtowns, a convenience store off the Thruway, or a specialty shop downtown, your coverage should account for your inventory, premises, and customers. We are a local Buffalo agency that has helped Western New York shop owners since 1952, and we compare coverage across many companies to help you find a fit for the way you do business.
Risks we see in WNY
- A customer slips on a wet floor during a lake-effect snow week and files a claim
- Burst pipes or a roof leak from heavy WNY winters damage inventory and force you to close
- Break-in or shoplifting wipes out high-value stock
- A fire next door or a power outage spoils product and shuts you down
- Credit card data or POS systems get hacked
- Seasonal foot traffic swings leave you over- or under-stocked when a loss hits
Coverage that fits
Coverage to consider for your business.
Use these as a starting point for a conversation. We will help you review which coverages fit your operation.
Business Owners Policy (BOP)
Bundles property and liability into one policy for small retailers. We can help you decide whether a package fits your shop's needs.
General Liability
Covers claims if a customer is injured in your store or you damage someone else's property.
Commercial Property
Protects your building, fixtures, and inventory from fire, theft, water damage, and WNY winter weather.
Business Income / Interruption
Replaces lost revenue and helps pay the bills if a covered loss forces you to close for repairs.
Crime & Theft Coverage
Helps cover losses from burglary, robbery, and employee theft that hit retail especially hard.
Cyber Liability
Helps with the costs of a data breach or hacked payment system, which matters anytime you take cards.
Local guidance
Help understanding your options.
We have helped Western New York businesses since 1952. As an independent agency, we compare coverage across carriers including The Hartford and explain the differences, so you can choose coverage that fits your shop and budget.
Request a consultationCarriers we work with
and more through our agency network.