--- title: "Retail" description: "Retail store and ecommerce insurance help: general and product liability, property, inland marine, workers’ comp and cyber, matched to how you sell." canonical: "https://spot.insure/insurance-for/retail" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-for/retail) ## Agent Guide **What this page is:** Retail store and ecommerce insurance help: general and product liability, property, inland marine, workers’ comp and cyber, matched to how you sell. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Spot for Retailers Get quotes from retail insurance providers with Spot. We get quotes for your shop, stock and online orders, compare them with you and help you buy before a new lease or pop-up. - Stores, stock and online orders described as one business - Liability, product and property terms compared together - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=general-liability&industry=retail&icp=retail). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **Tell us about every store and stockroom.** Your Spot team records stores, pop-ups, stockrooms and fulfillment sites, who designs or imports your products, and how orders move, so the submission matches the business you run. 2. **Check the lease and marketplace terms.** Forward a store lease or marketplace agreement. Spot compares its insurance requirements with your policies and tells you what’s missing. 3. **Compare quotes on injuries, theft and breaches.** Once brokers bring proposals back, Spot lines up how each one treats a customer slipping in the shop, an injury from a product you sold, stock stolen from a stockroom and a checkout breach. 4. **Get certificates for landlords and wholesale accounts.** Your landlord wants a certificate before you open, and wholesale accounts may want one before they place an order. Send the request to your Spot team in Slack and we’ll get the certificate ready. ## Who we help - **Shop and boutique owners.** Customers visit daily, stock sits on your shelves, and your lease sets insurance requirements. - **Pop-up and market sellers.** Moving stock and displays between markets and events raises transit and liability questions. - **Brands that design or import products.** You design or import what you sell, so the product wording has to match your products and channels, marketplaces included. - **Ecommerce and fulfillment-heavy retailers.** Checkout and customer accounts hold identifying and payment-related data, and your stock sits in warehouses you may not run. ## Coverage - [General liability](https://spot.insure/insurance/general-liability) - [Product liability](https://spot.insure/insurance/product-liability) - [Commercial property](https://spot.insure/insurance/commercial-property) - [Tools, equipment and inland marine](https://spot.insure/insurance/inland-marine) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation) - [Cyber liability](https://spot.insure/insurance/cyber) ## When to get this coverage - **You’re opening a shop, pop-up or showroom.** List customer visits, demonstrations and order pickup in the general liability description, and check the lease’s insurance clause before you sign. - **You design, import or resell products.** Check that the product wording covers your actual products, brands, sales channels and territories. - **Inventory is stored in more than one place.** Schedule each site, stock value, fixture and cause of loss, and note who handles the goods in between. - **You’re hiring for the holiday season.** Report each work state, store or warehouse location and job duty for workers’ compensation, including seasonal staff. - **Checkout and customer accounts hold payment data.** Ask how cyber terms treat customer and employee data, payment vendors and system interruption. ## Common questions Also known as retail store insurance, retail business insurance, store insurance, shop insurance, boutique insurance, ecommerce insurance, ecommerce business insurance and online store insurance. ### What does retail store insurance usually include? General liability for customers in the shop, product liability for what you sell, property for fixtures and stock, inland marine for goods at pop-ups or in transit, workers’ compensation, and cyber for online orders. Spot compares them as one submission. ### Are shop injuries and product injuries covered the same way? No. A visit to your store is a premises question, while an injury from an item you sold is a product question, and the two can sit under different terms. Spot describes your premises and your products separately so each gets its own answer. ### Does insurance pay for a recall we must report? Not unless a form says so. A reporting duty and an insurance payment are separate questions, and product or general liability wording shouldn’t be read as paying for a recall. Spot asks whether a recall form is available for your products and which notification, repair, replacement and logistics costs it addresses. ### What do insurers need from a retailer? Your store and stockroom addresses, stock values, a product list showing what you design or import, your sales channels, where staff work, and your lease or marketplace agreements. ### Our broker set up our store’s policy package. Will Spot work with that broker? Yes. Spot can work with that broker on your next renewal, or help you switch to one who places more retail and ecommerce business. In both cases a broker places the coverage, and Spot takes no commissions on premiums. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/retail.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)