Retail Commercial Insurance
Retail Commercial Insurance Coverage to Safeguard Your Business
You’ve worked hard to build your business, and you should protect it with superior commercial insurance. W.E. Davis Insurance Agency offers many fine Business Owners Policies (BOP) through some of the finest insurance carriers in the industry. A BOP combines the property and liability coverage you need with a competitive price you can afford.
Customize Your Retail Program with Our Many Options
The Business owners Policy is specifically designed to cover Retail Operations. This Policy Works As Hard As You Do.
Our Retail BOPs can cover your business in a variety of ways:
- “Special Cause of Loss Coverage” on your building and contents. That means the policy insures risks of direct physical loss to covered property, except for causes of loss listed in the exclusions.
- Business Income and Extra Expense Protection for your actual loss when your business is interrupted due to a covered claim (up to 12 months).
- Theft of Money Coverage up to $10,000 on premises and $2,500 off premises (can be increased).
- Employee Dishonesty Protection up to $10,000 (can be increased).
- Accounts Receivable and Valuable Papers Coverage up to $25,000 (can be increased).
- Loss of your Computer System up to a total of $10,000 (can be increased).
- Peak Season Coverage AUTOMATICALLY increases your contents coverage up to an additional 25% during peak sales periods.
- Business Liability Coverage of $500,000 or $1,000,000 per occurrence and higher limits are available.
- Prepare For That Rainy Day
- Umbrella Liability Coverage can be easily added to your Business Owners Policy. An umbrella covers unforeseen catastrophic losses. In today’s legal environment, having an umbrella policy makes good business sense.
- Equipment Breakdown Coverage**
- If your retail operation depends on specialized equipment, you can add equipment breakdown coverage which protects you against situations like explosion and accidental mechanical breakdown of equipment like boilers, air conditioning units or built-in refrigeration.
- And Consider These Options
- Your coverage can also be extended to include:
- Water backup of sewers or drains (flood protection is available for offices)
- Employee Benefit Liability
- Earthquake protection for your building and contents
- Your Insurance Rates Won’t Go Up For Three or Even Five Full Years**
- We have companies that do what many companies refuse to do . . . offer three-year, even five-year rate guarantees. This rate stability allows you to budget your insurance expenses. Talk with our agency to find out more about our BOP policy.
- This is not a policy. For a complete statement of your coverage and exclusions, please see your policy contract.
Contact us and we will be happy to prepare a quote for your retail operation.
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Our Recreational Vehicle Insurance Coverage Options
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Reach out to our team at W.E. Davis to customize your plan and learn more.
About W.E. Davis Insurance Agency
Family Owned and Operated Since 1938.
A Family team that will make a difference in how you see insurance. Let our years of experience, knowledge and hard work ethic play in the role of choosing the right protection for your home, auto, business,
Business Insurance Programs
Protect the heart of your restaurant business with equipment breakdown coverage from W.E. Insurance Agency. Unlike other insurers, we include this important coverage automatically in our tailored insurance programs. Contact us today to learn about our comprehensive restaurant insurance coverage
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Garage and Body Shop Insurance
Protect your body shop business with a customizable insurance program from W.E. Davis Insurance Agency. Our carrier partnerships offer specific programs for body shops, with rate guarantees of up to 5 years for stability and predictable insurance expenses. Contact us today to learn more.
Veterinary Clinic Insurance
Protect your veterinary clinic and yourself from malpractice claims with the W.E. Davis Veterinarian Program. We offer broad protection for your office and professional liability coverage. Focus on providing exceptional care for animals while we take care of your insurance protection.
Dental Office Insurance
As a dental practitioner, protecting your practice with malpractice insurance is essential. Trust in W.E. Davis Insurance Agency to provide comprehensive coverage options tailored to your specific needs. Ensure your business is protected in the event of a patient lawsuit. Contact us today.
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Nonprofit insurance is business insurance designed to accommodate the needs of a nonprofit organization. Business insurance is crucial for nonprofits because it can protect against various risks, from a car accident involving your business vehicle to a client’s slip and fall in the office.
Farm & Agriculture
Safeguard your farming business with customizable insurance options from W.E. Insurance Agency. Our tailored coverage provides protection against property damage, liability claims, and other risks unique to the industry. Contact us to learn more.
Tower Contractor Insurance
Ensure your tower contractor business is compliant with Avetta and Crown Castle insurance requirements with W.E. Davis Insurance's Tower Contractor Insurance Program. Our customizable coverage options provide the protection your business needs to succeed. Contact us today to learn more.