Source: Liberty Mutual — Retail Insurance
Liberty Mutual: Retail Stores Insurance Appetite
Liberty Mutual's retail program is competent but not typically the price leader for small shops. Their value proposition is stronger for mid-size retail chains with workers' comp and employment practices exposure. For single-location boutiques, Nationwide or Progressive are usually more competitive.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$1,500-$10,000
Typical annual premium
Target States
All 50 states and DC
Key Features
- BOP with broad property coverage including tenant improvements
- Equipment breakdown coverage for retail equipment and HVAC
- Workers' comp with retail-specific safety programs
- Employment practices liability available as endorsement
- Property coverage handles seasonal inventory peaks
Limitations
- Gun shops, tobacco shops, and vape stores are excluded
- Convenience stores with fuel pumps need commercial package policy
- Big-box retail with over 50,000 sq ft requires individual underwriting
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