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Retail & Services

Retail & Services

Obtain fast, bindable, general liability and package quotes for your everyday main street businesses such as salons, service providers, and general retail stores.

Appetite Spotlights

Food trucks
  • General liability up to $1M/$2M

  • 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

  • Auto Liability coverage must be in place with equal or greater limits for food trucks

Food trucks

Markets

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Considered Risks

  • New ventures

  • 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

  • Stationery or Paper Products Stores: Shops specializing in stationery, office supplies, and paper products.

Quotable Classes

  • 24-Hour Convenience or Grocery Stores

  • Barber Shops

  • Beauty Salons

  • Beverage Stores – Beer or Soft Drinks

  • Beverage Stores – Liquor or Wine

  • Book & Magazine Stores

  • Breakfast/Brunch Trucks

  • Burgers & Hot Dogs Trucks

  • Candy & Confectionery Stores

  • Clothing & Shoe Stores

  • Coffee Trucks

  • Collectibles & Memorabilia Store

  • Convenience Stores

  • Craft Distillery Shops

  • Ethnic Food Trucks

  • Fabric Stores

  • Floor Covering Stores

  • Food Trucks

  • Full-Service Salons

  • Furniture Stores

  • Gift & Souvenir Shops

  • Gluten-Free Trucks

  • Gourmet Food Trucks

  • Grocery Stores

  • Hair Salons

  • Hardware Stores & Home Improvement Stores

  • Healthy Food Trucks

  • Hot Dog Stands

  • Ice-Cream Trucks

  • Liquor & Wine Stores

  • Mobile Canteens

  • Mobile Concession Stands

  • Mobile Refreshment Stands

  • Nail Salons

  • Pastry Trucks

  • Pizza Trucks

  • Retail Stores

  • Seafood Trucks

  • Shoe Stores

  • Silver-Side Lunch Trucks

  • Snacks

  • Soft Drink & Beer Stores

  • Specialty Hair Salons:

  • Taco Trucks

  • Vegetarian/Vegan Trucks

  • Wine Boutiques