OH Retail Insurance
Industry-specific commercial coverage for retail businesses in Ohio. Retail businesses carry exposures most BOPs cover poorly — shoplifting, employee dishonesty, slip-and-fall, product liability on resold goods, food handling if you serve, and the cyber risk on every POS transaction.
Shopping 15+ A-Rated Carriers For You
Retail insurance built for Ohio businesses
Running a retail operation in Ohio means specific exposures the right carrier needs to understand. We shop Travelers, Liberty Mutual, Cincinnati, Auto-Owners, Western Reserve Group, AmTrust, and 9+ more A-rated carriers to put a real GL, property, workers comp, and commercial auto package together.
The Allen Thomas Group has been licensed since 2003. We know which carriers price retail correctly and which to avoid for businesses operating in Ohio.
Key retail exposures we address
- Premises liability — slip-and-fall, parking lot, ice/snow
- Product liability — even on items you didn't manufacture
- Employee dishonesty — POS theft, inventory shrinkage
- Cyber / PCI — POS breach, payment card industry fines
- Workers compensation — lifting, slips, repetitive motion
- Business income — supply chain disruption, lease loss
- Crime — robbery, burglary, money in transit
- Liquor liability if you sell alcohol
- Spoilage if you sell perishables
Coverages we typically place
BOP
Crime / Employee Dishonesty
Cyber / PCI
Workers Compensation
Liquor Liability
Spoilage
Carrier appetite
Travelers, Liberty Mutual, Cincinnati, Hartford, Nationwide, Auto-Owners.
Frequently Asked Questions
Does my BOP cover employee theft?
What is PCI compliance and why does it matter?
Do I need product liability if I just resell?
Ready for coverage that actually fits?
Free quote in 5 minutes. Or call us directly. Either way, you'll know you got a fair deal.