Retail and eCommerce Insurance

From convenience stores and baby boutiques to butcher shops and jewellers, retail businesses have a wide range of insurance needs. At Stewart Morrison Insurance, you’ll get the right insurance coverage for your business at the best value.

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Get a retail insurance quote tailored for you.

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Custom Insurance Coverage Made for Your Business

You’re focused on keeping customers happy, managing inventory and growing your business, and it’s easier to manage both your day-to-day operations and long-term planning when you have the safety net of the right insurance coverage. Your policy should be there for you when unexpected events — like theft, spoilage, injuries or even hacking — crop up, and your broker should be, too.

Whether you own a brick-and-mortar store or you exclusively sell online, our retail insurance experts understand your coverage needs. We’ll take the time to get to know your operations so we can create a customized policy that ensures you and your business are well protected. If something goes wrong, we’ll be there to advocate for you throughout the claim process — so you can focus on getting back in business.

We provide retail insurance for a wide range of businesses, such as:

  • Pet Stores
  • Florists
  • Clothing Shops
  • Bakeries
  • Butchers
  • Jewellers
  • Convenience Stores
  • Independent Grocers
  • Gift Shops
  • and more

Our retail insurance packages give you the right coverage at the best value. Let’s work together to build you a custom solution you can count on.

Retail Business Insurance Coverages

Your business is unique, so your insurance should be, too. Here are some of the coverages you may need.

  • Building / Property

    This covers the loss of or damage to buildings you own as a result of fire, wind, water, theft or other unexpected incidents.

  • Contents, Equipment and Stock

    Protects against damage, loss and theft of your company property.

  • Commercial Liability

    Protect your business against claims of bodily injury, property damage, or products, services and advertising liability (such as faulty products or libel) that arise from your business operations.

  • Crime

    Theft is all too common in retail, so it’s important to protect your business from financial loss of money or inventory due to employee dishonesty, inside or outside robbery, fraud or forgery.

  • Commercial Auto

    If you use a vehicle to pick up products or deliver orders, you need commercial auto insurance to cover you and your employee drivers for liability, as well as your vehicle for damages, should an accident occur during business use.

  • Peak Season

    If you have higher levels of stock and inventory during your busiest times of the year, you’ll want this additional coverage

  • Cyber Risk

    Any retailer with a POS system or eCommerce website needs cyber risk coverage to provide protection from a data breach or other cyber event. This coverage assists with the costs such as recovery of information, network repairs, legal claims and public relations services.

  • Loss of Income

    This coverage replaces lost income resulting from an interruption of your regular business operations due to an insurance claim.

  • Tenants Legal Liability

    Coverage for rented business premises to protect you, as a tenant, from legal liability for any loss or damage to the property.

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Why Choose Stewart Morrison Insurance?

We Provide Guidance

We provide genuine care, expertise and personalized service you can count on. You deserve to feel you can trust your insurance broker to do the best for you. We listen, ask questions and understand, taking the worry out of purchasing insurance. You will have a dedicated person to talk with, and they will deliver the right solutions for your family or your business.

We Deliver Value

Once we understand your needs, we will negotiate the right coverage and competitive premiums with the insurance provider most suited to you. Your premium dollars should be used to the best advantage, and we do that for you.

We Advocate for You

Insurance is complex and different for everyone, and that’s why it needs a human touch. We’ll guide you through purchasing your insurance and assist in the claims process. We have strong relationships with our insurance partners, who respect what we do, and because we have the right coverage in place for you from the beginning, we can and will advocate for you. Our commitment is to be there when you need us, always.

“We take the worry out of purchasing insurance. Call us: Our business is to protect yours.”

Marlene Morrison Nicholls
President & CEO

Live Your Best, Let Us Do the Rest

We’re here to ensure you’re protected and have insurance options for your business, your home and all that matters to you. Learn more: