Retail Store Insurance

Comprehensive and Flexible Retail Store and Shopping Centers Insurance Solutions

GNY specializes in addressing the distinct requirements of the retail store insurance and shopping centers insurance sectors. Our commercial package seamlessly integrates property and general liability insurance with coverage enhancements tailored for your industry, all within a single convenient policy. Optional coverages are available to further customize your insurance program.

Our package policy is designed for:

• Open air shopping centers
• Strip malls

Retail Store and Shopping Centers Insurance Coverages Include:

• Property Insurance - Protects against damage to buildings and contents from covered events, such as fires, mechanical and electrical breakdowns, business interruptions, and more.
• General Liability Insurance - Offers legal defense and coverage for claims of bodily injury caused by accidents, associated medical costs, and certain Personal and Advertising Injuries.
• Industry-related enhancements - Over 20 enhancements are included to meet the specific insurance needs of shopping centers and retail stores.

Enhancements for Retail Store Insurance:

• Defined sub-limits for 30 areas of coverage, including:
• Backup of Sewer Drains
• Debris Removal
• Elevator Collision (for Personal Property of Others)
• Employee Dishonesty, Forgery, Money and Securities
• Ordinance or Law
• Off-Premises Power
• Outdoor Signs and Valuable Papers
• Identity Theft Recovery

Optional Coverages:

Your business is unique. That’s why we provide additional coverages to further tailor your retail store insurance and shopping centers insurance program, including commercial auto, commercial umbrella, crime, cyber suite, directors & officers, employment practices liability, and workers’ compensation.

Please refer to the insurance policies themselves for a complete description of the coverages, limits, conditions, and exclusions.

Not all products are available in all states and not all products are available in all multi-peril packages offered by GNY Insurance Companies. Please consult with your GNY affiliated broker for further information.