Retail · Utah

UT Retail Insurance

Industry-specific commercial coverage for retail businesses in Utah. 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.

Get Your Free Quote Call (440) 826-3676

★★★★★ Independent agency since 2003·Licensed in 27 states·BBB A+ Rated

20+Years in Business

27States Licensed

15+A-Rated Carriers

A+BBB Rating

Shopping 15+ A-Rated Carriers For You

Retail insurance built for Utah businesses

Running a retail operation in Utah 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 Utah.

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

Property + GL + business income packaged. Most retailers under $5M revenue.

Crime / Employee Dishonesty

Internal theft, robbery, money in transit, forgery.

Cyber / PCI

POS breach response, PCI fines, business interruption.

Workers Compensation

Code 8017 retail clerical vs 8008 retail store.

Liquor Liability

Required if you sell alcohol; not covered by GL.

Spoilage

Refrigeration breakdown, power loss for grocery, restaurants.

Carrier appetite

Progressive, Liberty Mutual, Cincinnati, Auto-Owners, Western Reserve Group, Travelers, AmTrust.

Frequently Asked Questions

Does my BOP cover employee theft?

Standard BOP property forms specifically exclude employee dishonesty. You need a separate crime endorsement or standalone crime policy to cover internal theft.

What is PCI compliance and why does it matter?

PCI DSS is the security standard for handling credit cards. Non-compliance fines from card brands can reach $100K+ after a breach. Your cyber policy should cover PCI fines and forensic costs.

Do I need product liability if I just resell?

Yes. As a seller in the chain of distribution, you can be named in product liability suits even if you didn’t manufacture the item. GL’s products and completed operations covers this.

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.

Get Your Free Quote Call (440) 826-3676