StandardVerified Q1 2026
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
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
AmTrust Financial ServicesPreferred
$1,500-$10,000
BTISStandard
$1,500-$8,000
Pie InsurancePreferred
$800-$5,000
NationwidePreferred
$1,200-$9,000
Liberty MutualStandard
$1,500-$10,000
Cincinnati FinancialPreferred
$1,200-$8,000
Hanover InsurancePreferred
$1,200-$8,500
Auto-Owners InsurancePreferred
$1,000-$7,500
Guard Insurance GroupPreferred
$1,000-$7,000
Markel CorporationStandard
$2,000-$12,000
Coterie InsuranceStandard
$500-$3,500
Selective Insurance GroupStandard
$3,000-$25,000
Kinsale Capital GroupStandard
$2,000-$15,000
InsureonStandard
$400-$5,000