COMMERCIAL INSURANCE / RETAIL
Your store is a reflection of your passion to sell quality merchandise and build lasting customer relations. Protect your investment for years to come. We offer special insurance options for retail business owners just like you.
SOLUTIONS TO THE RISKS OF BUSINESS
This is for instances of broken windows caused by vandalism, fire damage to inventory and more.
This provides income if your store is shut down from a covered event like a fire.
Renting an Alternate Space
This provides relocation expenses for up to 12 months in the event your store is shut down due to a covered event like a burst water pipe.
If you become legally liable for injuries suffered by a customer after something like a slip-and-fall accident at your store, you are covered.
This covers reimbursement for money still owed for delivered customer merchandise that is stolen after delivery. (Available for purchase as a separate endorsement.)
This helps pay for legal defense fees if a customer names your store in a lawsuit after being injured by a product they purchased from you.
During peak seasons when there’s more inventory in stock, you have replacement coverage.
This is in case a key supplier has sustained damage from a covered peril and is unable to supply your store’s inventory.
This offers reimbursement for brand name merchandise at an agreed-upon value if the merchandise becomes ruined by a covered loss. (Available for purchase as a separate endorsement.)
MORE COVERAGE OPTIONS
This option is to reproduce or replace accounts receivable records in the event of a covered loss.
This option is for notifying and helping affected individuals and provides your business with crisis resolution services. (Available for purchase as an additional coverage on select policies.)
This option is to cover loss from a computer virus that corrupts your computer system.
This option is to protect you against employee theft, which can be difficult to detect.
This option is to help cover a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump. (Available for purchase as an additional coverage.)
This option is to restore or replace certain important financial documents and deeds that may be damaged in a fire.
In an effort to follow CDC guidelines of social distancing, and to protect our employees and customers, we are temporarily not allowing customers into the office.
Our office will remain open to service your business and all transactions can easily be done by email or phone! Most business can be conducted over the telephone by calling our office. Payments can be processed over the telephone, online or by mail.
As soon as possible, we will reopen our doors to customers. For your convenience and safety, we encourage the use of these platforms to make payments, request policy changes, and general inquiries. Utilizing these channels will help reduce the risk of spreading the virus or any communicable diseases. Thank you for choosing West Virginia Insurance Agency!