Retail Store Insurance

Customized insurance to help protect your retail business
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A Comprehensive and Flexible Solution for Retail Store Insurance

GNY understands the unique needs of the retail store industry. Our commercial package combines property and general liability insurance with coverage enhancements specific to your industry – all in one 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 Insurance Coverages Include:

  • Property Insurance - Covers damage to a building and its contents due to a covered event, such as a fire. Also insures against losses associated with mechanical and electrical system breakdowns, a business interruption, and more.
  • General Liability Insurance - Provides legal defense and coverage for claims of bodily injury caused by accident, associated medical costs, and for certain Personal and Advertising Injuries.
  • Industry-related enhancements - More than 20 enhancements are added to the policy to address the unique insurance needs associated with shopping centers.

Retail Store Insurance Enhancements:

  • Enhancements with 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 Valuable Papers
  • Identify Theft Recovery

 Optional coverages:

Your business is unique. That’s why we offer additional coverages to further customize your insurance program, including commercial autocommercial umbrellacrime, cyber liability, data compromise, 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.


Retail Store Coverage & Benefits

Understanding coverage and benefits is an important first step to protecting your business.



One Program, Many Choices - Shopping Centers

Our package policy includes standard property and general liability coverages along with industry-specific enhancements. Working with your insurance professional, you decide what additional coverages are needed. You also have access to a variety of risk management services to help you control costs.

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Why GNY?

  • Expert in providing industry-specific commercial insurance since 1914
  • Consistently rated A+ (Superior) by A.M. Best Company
  • Disciplined underwriting matches price to risk
  • Strong, personalized policyholder service
  • Industry leading claims service
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