Retail Store Insurance in West Virginia & Ohio
Your store is your livelihood. Your insurance should protect all of it.
From your inventory to your storefront to the customers who walk through your door, retail businesses have a lot to protect. The right insurance covers your building, your stock, and the liability exposures that come with serving the public. Many retail stores can get instant quotes below.
Get an Instant Retail Store Quote
Many retail businesses can get quoted and covered in minutes
Before You Get a Quote
By using this business insurance quoting tool, you understand and agree that:
- Business Information: You will be providing information about your business including your business name, type of work, number of employees, annual revenue, and contact information. If you proceed with a policy purchase, you may be asked to provide additional details such as your EIN, payroll information, and other business data.
- Quote Provider: This instant quote tool is powered by one of our partner insurance carriers. Your quote and any resulting policy will be directly with that carrier.
- Information Sharing: The information you provide will be shared with our partner carrier and Parrack Insurance Agency for the purpose of providing you with accurate business insurance quotes.
- Contact: After completing your quote, you may be contacted regarding your quote results and coverage options. Parrack Insurance Agency may also follow up to ensure you found the coverage you need.
- Not All Businesses Qualify: Our partner carrier has specific eligibility requirements. Some business types, high-risk operations, or businesses outside their appetite may not qualify for instant coverage.
Your information is used solely for insurance quoting purposes and is handled in accordance with our partner's and our privacy policies.
Retail Stores We Cover
Clothing & Apparel Stores
Fashion boutiques, shoe stores, and apparel retailers
Gift & Specialty Shops
Gift shops, card stores, and specialty retail
Home Goods Stores
Furniture, decor, and housewares retailers
Sporting Goods
Sports equipment, outdoor gear, and athletic apparel
Pet Stores
Pet supplies, food, and accessories (non-veterinary)
Hardware & Building Supply
Hardware stores and building material retailers
Electronics Retailers
Consumer electronics and accessories
Florists
Fresh flowers, plants, and floral arrangements
Coverage Options for Retail Stores
General Liability
EssentialCovers customer injuries in your store—slip and falls, injuries from merchandise, and property damage claims. Also covers products liability if an item you sell injures someone.
Learn more about general liabilityProperty Insurance
EssentialProtects your store building (if owned), fixtures, displays, signage, and inventory from fire, theft, vandalism, and covered disasters.
Learn more about property insuranceBusiness Personal Property
EssentialSpecifically covers your inventory at replacement cost. Important for retailers because your stock represents significant investment.
Learn more about business personal propertyBusiness Income/Interruption
EssentialIf a fire or other covered event closes your store temporarily, this covers lost revenue and ongoing expenses like rent while you recover.
Learn more about business income/interruptionWorkers Compensation
EssentialRequired in West Virginia and Ohio if you have employees. Covers medical costs and lost wages for workplace injuries.
Learn more about workers compensationReady to Protect Your Retail Store?
Try the instant quote tool above for fast coverage, or call us to discuss your store's specific needs. We help retail businesses throughout West Virginia and Ohio.
Looking for a different location?
We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV