StandardVerified Q1 2026
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
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
ChubbStandard
$2,000-$12,000
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
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InsureonStandard
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