Retail and Office Space

Insurance Solutions for your Retail and Office needs

Small Office, Home Office or Enterprise Space... our wide range of insurance products can help keep you protected, while keeping your insurance costs down.

Whether it's a restaurant or a shopping center, your retail space investment needs insurance protection. At The National Condo and Apartment Insurance Group, we can help.

 

Home Office / Small Business Insurance

Most small business owners today don't realize that insurance for their home or small office space is every bit as important to their business as the enterprise business office space is to larger enterprises.   And therefore, most small business owners go uninsured... and therefore are open to liability that is common to all business owners.

Many home office users expect their home owner's policy to cover their home office.  But many policies have caps on coverage that go as low as $2,500.   For the independent business owner, this just isn't enough coverage to properly cover the liability risks associated with running a business from the home.

Talk with one of our experienced agents, about how a Business Owner Policy (BOP) or Home Office Policy (HOP) might be appropriate for the specific needs of your business or home office.

 

Enterprise Business / Commercial Office Insurance

Business owners of Enterprise or commercial office space have unique property and liability coverage needs.  

At National Condo & Apartment Insurance Group, we  offer solutions that provide all-risk property coverage, business interruption coverage, boiler and machinery coverage and cargo insurance.    Call us today to discuss how we might be able to provide you the coverage you need.

 

Retail Space Insurance

It doesn't matter if you sell shoes or video games, retail business owners all share common coverage needs.  As business owners you need to protect your property and inventory against general liability issues, such as theft, fires or floods.  In addition, if you have any type of foot traffic, you will need to be well covered against bodily injury and related liability.

In general, the most cost effective form of coverage for small retail store owners to protect their property is with a Business Owner's Policy (BOP) that is tailored towards your specific needs.

As a retail store owner or manager, you should ensure your BOP contains the following areas of coverage:

  • Property Coverage -  this coverage includes inventory and business property coverage, and often includes provisions to allow for variations such as seasonal fluxes in inventory
  • Liability Coverage- bodily injuries are common in stores with foot traffic, due to slips or falls.  Liability coverage also covers harm due to an item you may have sold.  Be sure to check into specific coverage provisions that may be available if you run part of your business over the internet
  • Business Vehicle Coverage - coverage is available for any vehicle primarily used for business purposes
  • Workers Compensation- if you have three or more employees, you should look into workers compensation insurance, which will help cover you from liability caused in the case of injury to one of those employees while on the job