Business Insurance Brokers Independent commercial broker

Commercial industry

Specialty Retail Insurance

Specialty retail is the independent shop that does not fit a single commodity label: a tightly curated store, a category the national chains ignore, a owner who also teaches a weekend class. The file is still inventory, premises, theft, and a peak-season limit. The extras — classes, off-site pop-ups, a small workshop in the back — are what we actually need to hear.

If you are clearly apparel, gifts, toys, or a bakery, use those pages. This hub is for the rest of the floor, and for owners who want a broker to say which class the carrier will actually use.

Risks we actually schedule

  • Inventory limits set on a slow month and tested on a December fire.
  • Customer injury in a densely merchandised or workshop-hybrid space.
  • Pop-up and market stock that left the described premises.
  • E-commerce cyber and ship-from-store theft.

Frequently asked questions

We also run classes in the shop. Does that matter?

Yes. Instruction is a premises and sometimes a professional exposure. Put it on the application.

Can one policy cover the shop and a small workshop in the back?

Often, if the workshop is incidental and we describe it. Light assembly that becomes manufacturing needs a different conversation.

Do you write jewelry-heavy stores here?

If jewelry is material, it should be scheduled or written as a jewelry class. We will not hide a case of watches inside specialty retail.

Business Owner's Policy

A packaged policy that pairs general liability with commercial property and business income for eligible classes.

Coverage details

Commercial Property

Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.

Coverage details

Inland Marine

Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.

Coverage details

Cyber

Ransomware, data-breach response, forensic IT, notification, and business income after a network event.

Coverage details

Clothing Store

Inventory, premises, and a BOP that survives a seasonal peak and a shoplifting year.

Industry page

Gift Shop

Novelty and souvenir retail: inventory, premises, and a peak-tourist season property limit.

Industry page

Hobby, Toy, and Game Shop

Retail inventory, organized-play events, and a premises file for shops that host people as well as sell boxes.

Industry page

Oregon

Licensed commercial insurance broker serving Oregon.

State page