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Welcome to Coverage Cowboy Insurance, where we specialize in providing comprehensive coverage for retail businesses like yours. We understand the unique challenges you face in the retail world and are here to safeguard your investment with a tailored insurance policy.

From property damage to liability coverage, we’ve got your retail store protected. Our experienced agents are ready to help you find the perfect insurance policy that meets your specific needs and keeps your business running smoothly.
  • General Liability
  • Workers’ Compensation
  • Professional Liability
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Retail businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is crucial for retail stores, as it protects them from unexpected incidents that could lead to financial strain. For example, if a customer slips on a wet floor and gets injured, this insurance can cover their medical expenses and any legal fees. By having general liability insurance, retail store owners can focus on growing their business, knowing they’re safeguarded from potential risks.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is essential for retail stores, especially when they use vehicles for tasks like delivering products or picking up supplies. This insurance protects the business from potential financial losses if an accident occurs involving their vehicles. For example, if a clothing store’s delivery van gets into an accident while delivering clothes to a customer, commercial auto insurance would help cover the repair costs and any medical expenses for the driver.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is essential for retail stores to protect both employees and the business. For example, if a cashier slips on a wet floor and gets injured, this coverage helps cover their medical expenses and lost wages. By having workers’ compensation insurance, retail store owners can create a safe environment for their employees while avoiding costly lawsuits.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is essential for retail store owners, as it helps protect their valuable assets like inventory, equipment, and the physical store itself. For example, if a fire damages your store and the items inside, commercial property insurance can cover the repair costs and replace the damaged goods. By investing in this insurance, retail store owners can have peace of mind knowing their business is safeguarded against unexpected events.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Retail business insurance

How does business insurance benefit a retail store?

Business insurance offers numerous benefits to a retail store, including:

  • Property protection: Covers damage or loss of inventory, fixtures, and equipment due to events like theft, fire, or natural disasters.
  • Liability coverage: Protects your store from financial losses if someone is injured on your property or if your products cause harm.
  • Business interruption: Provides financial support if your store is forced to close temporarily due to a covered event.
  • Workers’ compensation: Covers expenses related to employee injuries, illness, or lost wages due to work-related incidents.
  • Commercial auto: Protects against accidents involving company vehicles.

Having the right business insurance in place helps safeguard your retail store and provides peace of mind for both you and your customers.

What do I need to get an insurance quote?

Getting a retail store insurance quote is a breeze! To start, gather the following details about your store:

  • Business name and contact information
  • Location and square footage of your retail store
  • Estimated annual revenue and payroll
  • Number of employees
  • List of your key assets (e.g., inventory, fixtures, equipment)
  • Additional services offered, if any (e.g., online sales, delivery, in-store events)

Once you’ve prepared this information, you’re ready to request a customized insurance quote for your retail store. Our team at Coverage Cowboy is here to help you find the perfect coverage at an affordable price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


Mychal Rivera
Mychal Rivera
March 2, 2023
Great company and team to work with. I’m really impressed with how hands on they are. Glad I made the switch to them. Highly recommend!
Route 23 Nissan Reception
Route 23 Nissan Reception
February 9, 2023
we absolutely love working with Coverage Cowboy. The whole team is incredibly knowledgeable, very professional and attentive with any concerns. They always put the needs of our customers first, the level of customer service they display is out of this world. They always make sure they are satisfied and have the best coverage. We highly recommend their services as they never disappoint us or anyone who we have referred to them.
Mikaila Fargnoli
Mikaila Fargnoli
February 8, 2023
Coverage Cowboy helped me with all my insurance needs for my business.
Neal Sukhia
Neal Sukhia
January 13, 2023
As the owner of a multi faceted hospitality business coverage cowboy was able to navigate and put in place a general liability, workers compensation, property and disability insurance policy for a 50+ employee operation that complied with the requirements of various regulatory agencies. Exceptional understanding of sophistication and strong attention to detail - also very responsive with any claims, renewals, premium financing, etc
Jason Tenner
Jason Tenner
January 13, 2023
Mike and his team at Coverage Cowboy has me covered from all aspects of my business! The policy I signed up in 2023 was a great start to the new year and keep me fully insured.
Michael Perle
Michael Perle
January 13, 2023
Always reliable. Fast and cheap quotes and policies when needed! From boats to homes, they have helped me find the correct policies to keep me fully insured.
Jackie Chalet
Jackie Chalet
January 13, 2023
I worked with Mike Katz. He was extremely knowledgeable and provided better prices and coverage than my previous insurance broker! He truly worked with our best interest top of mind. Highly recommend!
Los Gueros
Los Gueros
January 13, 2023
So thankful for these guys. They were able to help us get fully and correctly covered on all of our 18 locations. Michael has been more than attentive keeping us updated since the very beginning!
Jose Arevalo
Jose Arevalo
January 13, 2023
The Coverage Cowboy team really helped me when I inquired their services. The staff is really family oriented and actually there to assist you for the best coverage. Thank you for all the good business and service.
Kailyn Despotakis
Kailyn Despotakis
January 13, 2023
Extremely professional team and very easy to work with.

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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.