Retail insurance, placed across 4 carriers.

Premium depends on category (food, electronics, apparel, etc.), sales, square footage, inventory value, e-commerce mix, foot traffic, state, and prior loss history. A single-location apparel boutique prices very differently than a multi-store electronics chain. Final cost is subject to underwriting and the carriers writing your retail class.

Yes. Products liability follows the chain of distribution — anyone who sells, distributes, or installs a product can be named in a defect or injury claim, even if you did not manufacture it. Vendor endorsements from the manufacturer help, but they only respond if the manufacturer carries adequate coverage and the wording reaches you. For private-label, imported, or food/consumable goods, your own products coverage matters most.

Any retailer accepting card payments has PCI exposure — assessment fines from Visa/Mastercard, forensic-investigation costs, customer-notification costs, and card-replacement reimbursement after a breach. Cyber with PCI fines coverage and breach-response services is the right placement, sized to transaction volume and POS/e-commerce stack rather than a stock $1M default. Coverage availability depends on PCI compliance status.

A typical retail program includes a Business Owners Policy (Property + GL + BI), Products Liability where applicable, Cyber with PCI coverage, EPLI for retail-staff turnover risk, Workers Compensation, and Crime/Fidelity for employee-theft and robbery exposure. Coverage is subject to underwriting.

Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.

Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical retail broker. That is an average, not a guarantee.