StandardVerified Q1 2026
Source: Selective Insurance Group – Retail Insurance
Selective Insurance Group: Retail Stores Insurance Appetite
Selective is a solid choice for established retail stores in their Eastern US footprint, especially those with $3,000-$25,000 in premium. They offer a more personalized underwriting experience than digital BOP carriers and can handle multi-location retail better than most small commercial programs.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Commercial Property |
| Commercial Auto |
| Umbrella/Excess |
| Inland Marine |
Premium Range
$3,000-$25,000
Typical annual premium
Target States
30+ states, strongest in Eastern US
Key Features
- BOP for mid-size retail operations with multiple locations
- Property coverage for high-value retail inventory
- Equipment breakdown for POS systems and refrigeration
- Workers' comp with retail-specific loss control support
- Inland marine for stock in transit and off-premises inventory
Limitations
- Gun shops, smoke shops, and adult retail are excluded
- E-commerce-only businesses are not a target class
- Limited availability in Western US states
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