Source: BTIS — Small Business Programs
BTIS: Retail Stores Insurance Appetite
BTIS can place standard retail store risks through their small business carrier programs, but retail is not a named specialty. For single-location retail shops with straightforward exposures, BTIS provides a convenient way to access multiple carrier quotes. However, for competitive retail pricing, agents should also quote direct carriers like Progressive or The Hartford alongside BTIS. The value BTIS adds for retail is primarily in hard-to-place or non-standard retail classes that direct carriers may decline, such as smoke shops or specialty retailers.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
Premium Range
$1,500-$8,000
Typical annual premium
Target States
All 50 states
Key Features
- Small business BOP programs available for standard retail classes through carrier partners
- Quick online quoting for single-location retail stores
- Workers' comp placement for retail operations with moderate employee counts
Limitations
- No specialized retail program — retail is placed through general small business markets
- High-value inventory stores may need direct carrier placement for adequate property limits
- Multi-location retail chains are better served by direct carriers with dedicated retail programs
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