Retail & Services

Property limits up to $3.3M TIV per location/$5.6M per policy for select classes

Property up to $10M TIV per location/policy in AL, FL, GA, LA, MS, SC, and TX

Business Personal Property up to $250k per building

Products-completed operations up to $2M

Business Income

Inland Marine limits up to $50,000 any one item/$100,000 per schedule for food trucks

Miscellaneous Equipment and Supplies up to $1,500 per item

Spoilage and Business Income with Extra Expense Coverage available for food trucks

Food must be served from a motorized vehicle or from a cart towed by the vehicle

Must be in compliance with all federal, state or local statutes or requirements (such as permits, licenses)

Must have liquor liability in place when serving alcohol

No max on sales/revenue for beauty, barber, nail salons or food trucks

Up to 30% alcohol sales with liquor liability in place for food trucks classification

Up to $3M gross sales per location for convenience, grocery, beer, wine, and liquor stores

Up to $5M in gross sales for retail stores

Antique Stores: Shops specializing in the sale of antiques and vintage items.

Barber Shops: Businesses offering men's grooming services, including haircuts, shaves, and styling

Beauty Salons: Establishments providing beauty treatments, such as hairstyling, skincare, and makeup services

Beverage Stores – Liquor or Wine: Retailers specializing in the sale of alcoholic beverages, including liquor and wine

Beverage Stores – Soft Drinks or Beer: Shops offering a variety of soft drinks, beer, and non-alcoholic beverages

Books and Magazines Stores: Retailers specializing in books, magazines, and other printed materials

Camera and Photographic Equipment Stores: Retailers offering cameras, lenses, and photography accessories.

Candy or Confectionery Stores: Shops offering a variety of candies, chocolates, and other sweet treats

Clothing or Wearing Apparel Stores: Retailers selling clothing, accessories, and apparel for all ages

Collectibles and Memorabilia Stores: Stores featuring collectible items, memorabilia, and specialty merchandise

Convenience Stores: Retailers offering everyday essentials, snacks, and beverages

Cosmetic, Hair, or Skin Preparation Stores: Stores selling beauty products, skincare, and hair care items.

Fabric & Hobby Stores: Retailers offering a wide selection of fabrics, textiles, sewing, and other craft materials

Floor Covering Stores: Shops specializing in flooring products, including carpets, rugs, and tiles

Food Trucks: Mobile vendors offering a variety of meals, snacks, and refreshments

Furniture Stores: Retailers providing a variety of furniture for home and office use

Gift Shops and Souvenir Shops: Stores offering gifts, souvenirs, and specialty items for various occasions

Hair Salons: Establishments offering hair cutting, styling, and coloring services

Hardware Stores: Retailers selling tools, hardware, and home improvement supplies

Health Food Stores: Retailers specializing in natural, organic, and health-focused food products.

Hobby, Craft, or Artists' Supply Stores: Shops offering supplies for hobbies, crafts, and art projects.

Home Improvement Stores: Shops specializing in materials and supplies for home renovation and DIY projects

Hot Dog Stands: Mobile vendors specializing in hot dogs and related items

Ice-Cream Trucks: Mobile vendors offering ice cream and frozen treats

Laundries and Dry Cleaners – Self-Service: Facilities providing self-service laundry and dry cleaning options.

Laundry and Dry Cleaning Stores: Retailers offering full-service laundry and dry cleaning.

Mobile Canteens: Mobile vendors providing a variety of meals and refreshments

Mobile Concession Stands: Portable setups offering snacks and drinks at events or locations

Mobile Refreshment Stands: Mobile vendors selling drinks and light snacks

Musical Instrument Stores: Shops specializing in musical instruments and accessories.

Nail Salons: Establishments offering nail care services, including manicures and pedicures

Painting, Picture, or Frame Stores: Stores offering painting services, picture framing, and art supplies.

Paint, Wallpaper, or Wallcovering Stores: Retailers selling paint, wallpaper, and wallcovering supplies.

Pet Stores: Retailers offering pet supplies, food, and accessories.

Shoe Stores: Retailers offering a wide range of footwear for men, women, and children

Silver-Side Lunch Trucks: Mobile vendors providing meals, often with a stainless-steel exterior