Source: Chubb — Retail Insurance
Chubb: Retail Stores Insurance Appetite
Chubb's retail program targets higher-end retail operations — jewelry stores, specialty retailers, high-end boutiques, and upscale retail chains. Their agreed value property coverage and broad business income protection are superior to standard market offerings. For mainstream retail, Nationwide or Progressive will be more cost-effective.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
| Cyber Insurance |
| Umbrella/Excess |
Premium Range
$2,000-$12,000
Typical annual premium
Target States
All 50 states and DC
Key Features
- Masterpiece BOP with broadest property coverage and highest sublimits
- Agreed value property coverage — no coinsurance penalties
- Cyber insurance tailored for retailers with PCI compliance requirements
- Business income with extended period of indemnity up to 24 months
- Worldwide product liability for retailers importing goods
Limitations
- Gun shops, adult stores, and tobacco retailers are excluded
- Discount retailers and dollar stores may not meet Chubb's profile
- Minimum premium may be prohibitive for very small retail operations
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