PreferredVerified Q1 2026
Source: AmTrust — Small Business BOP
AmTrust Financial Services: Retail Stores Insurance Appetite
Retail is one of AmTrust's core small business classes. Their BOP program covers a wide range of retail operations from clothing boutiques to hardware stores, and the bundled WC pricing is competitive for the 1-25 employee range. AmTrust's online quoting for retail is fast, and the property forms handle standard retail inventory well. For small single-location retail shops, AmTrust competes well with Progressive and biBERK on price while offering broader WC options.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Business Owners Policy (BOP) |
| Commercial Property |
| Umbrella/Excess |
Premium Range
$1,500-$10,000
Typical annual premium
Target States
All 50 states
Key Features
- Core small business class with streamlined BOP quoting for retail operations
- Workers' comp with competitive rates for low-hazard retail class codes
- Property coverage with stock and inventory endorsements for retail-specific needs
- Umbrella available to extend liability limits for retail accounts
- Online quoting available for standard retail classes
Limitations
- Large retail chains with more than 10 locations may exceed the small business program
- High-value inventory retailers (jewelry, fine art) may need specialized inland marine coverage elsewhere
- Liquor stores and cannabis retail are excluded from standard programs
Compare Other Carriers for Retail Stores
Progressive CommercialPreferred
$1,500-$8,000
TravelersStandard
$2,500-$12,000
CNAStandard
$3,000-$15,000
HiscoxStandard
$500-$4,000
ERGO NEXT InsurancePreferred
$500-$4,000
The HartfordPreferred
$1,500-$12,000
EMPLOYERS HoldingsPreferred
$800-$5,000
AcuityStandard
$2,000-$12,000
Erie InsuranceStandard
$2,000-$12,000
biBERKPreferred
$1,500-$8,000
BTISStandard
$1,500-$8,000
Pie InsurancePreferred
$800-$5,000