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TypeOfBusiness

Types of Businesses We Insure
Retail

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Types of Retail Stores We Insure

  • Department Stores
  • Florist Stores
  • Office Supply Stores
  • Men's And Boys' Clothing And Accessory Stores
  • Women's Clothing Stores
  • Women's Accessory And Specialty Stores
  • Shoe Stores
  • Grocery Stores
  • Meat And Fish (seafood) Markets
  • Fruit And Vegetable Markets
  • Candy, Nut, And Confectionery Stores
  • Dairy Products Stores
  • Retail Bakeries
  • Household Appliance Stores
  • Furniture Stores
  • Floor Covering Stores
  • Drapery, Curtain, and Upholstery Stores
  • Household Appliance Stores
  • Radio, Television, and Consumer Electronics Stores
  • Computer and Computer Software Stores
  • Record and Prerecorded Tape Music Stores
  • Musical Instrument Stores
  • Retail Nurseries, Lawn and Garden Supply Stores
  • Paint, Glass, and Wallpaper Stores
  • Hardware and home improvement Stores
  • Retail Nurseries, Lawn and Garden Supply Stores

Concentrate On Sales...

...not on whether you’re buying the right insurance coverage.

You understand your business inside and out. So do we. Selective combines the property and liability coverages your business needs in one easy, affordable and secure policy. We offer different levels of coverage – each with built-in extras at no additional cost. You can also choose from several deductible and payment options to make sure you have the coverage and the price that’s right for you and your business.

Let’s face it. You already have plenty on your to-do list. Ask your agent about Selective and cross insurance off the list for good.

As the list below shows, Selective’s program for retail offers a wide array of coverages to meet your specific needs. And many coverages are built in at no additional cost. Please contact your Selective agent for more information.

    Property
  • Newly acquired property
  • Business Income for anchor store/dependent properties
  • Utility services
  • Glass coverage
  • Systems PowerPac for electrical or mechanical breakdown
  • Water back-up from sewers and drains
  • Fine arts coverage
  • Outdoor signs and fences
  • Outdoor trees, shrubs and plants
  • Blanket additional insured - broad form vendors coverage
  • Fire/Water legal liability coverage
  • Ordinance or law coverage
  • Business personal property
  • Employee dishonesty coverage including ERISA
    Liability
  • Broad named insureds
  • Newly formed/acquired entities
  • Realty tax, additional costs/soft cost coverage
  • Hired and non-owned automobile liability

To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:

  • Bonds (fidelity, employee dishonesty, treasurer, etc.)
  • Employee benefits liability
  • Flood and earthquake
  • Inland marine (sports equipment, musical instruments, audio/visual equipment and builder’s risk)
  • Umbrella – limits up to $10 million

When you purchase insurance from Selective, you get more than just a policy. Our Safety Management team offers a wide array of value added services you need to help create a safer environment for your employees and customers and to help you manage your insurance costs by reducing claims.

  • Best practices assessment/gap analysis
  • Contractual liability consultation
  • Customized workers compensation cost containment
  • Driver and fleet safety programs
  • Exposure reduction consultations
  • OSHA 30-hour training
  • Premises liability reviews
  • Regulatory guidance
  • Safety assessment and benchmarking tools
  • Sprinkler system evaluation and analysis
  • Supervisor accountability programs
  • Thermographic infrared surveys

 

For more information about Selective's Safety Management services, click here.

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