Ontario Retail Store Insurance

Suppose you arrive at your store tomorrow to discover it's been ransacked, or your entire inventory destroyed by water leakage -- the sort of thing that happens every day in the real world.

Then you'll want to pick up the phone, call your retail insurance specialist and know that you'll recover your losses and be back in business as soon as possible.

That's the theory. In reality, without the right retail store insurance specialist on your side, all sorts of obstacles could get in your way. Or you may discover your policy doesn’t cover you for everything you thought it did.

If you don't want those kinds of nasty surprises, you need help from the retail insurance experts at First Durham Insurance & Financial in Pickering, ON.

Broad Scope of Coverage

We've been providing customized insurance plans for Canadian businesses for more than 60 years and we have specialist policies for just about every type of retail operation including:

  • General stores
  • Convenience stores
  • Apparel and boutiques
  • Furniture
  • Hardware
  • Pet supplies
  • Gifts and artwork
  • Garden centers and farm shops
  • Pharmacies (including professional liability coverage for negligence, errors and omissions)
  • We also provide retail insurance for booths and stalls at craft fairs and farmers' markets.

    It's hard to believe that some people might try to sell you the same Ontario small business insurance policy no matter what type of store you operate. That's when their clients may learn too late that they're not fully covered against the specific risks of their business.

    But at First Durham Insurance & Financial, every policy is tailored to your individual business needs. We work with you to identify all the risks and devise a protection plan that fits with your budget.

    Coverage Options

    Your Pickering, ON, retail store insurance coverage options could include:

    • Property structure and contents for fire, theft, breakage and other hazards -- with full replacement value if required.
    • Cash on hand.
    • Liability for injury and damage to customers and visitors.
    • Cover for employees involved in hold-ups.
    • External signage and displays.
    • Inventory spoilage.
    • Stock held on consignment.
    • Data protection, for your valuable customer records.
    • Loss of earnings through business disruption/power failure.
    • Special equipment and fittings.
    • Parking lots and landscaping.
    • Commercial vehicles.
    • Employee-related coverage.
    • Umbrella insurance coverage, which provides higher payout limits.
    • Special events, exhibitions and displays.

    Actually, the full range of options is immense. But don’t worry. The retail store insurance experts at out Pickering, ON, head office will do the leg-work, explain the issues and answer your questions, and then shop around to secure the best value coverage from only the most reputable and reliable insurers.

    Get More For Less at First Durham Insurance & Financial

    Often, we can also secure substantial discounts for insuring multiple outlets, owning multiple policies, having enhanced security arrangements and agreeing higher level deductibles.

    The knowledgeable team at First Durham Insurance & Financial can also provide guidance on regulatory and licensing requirements for the products you sell, as well as risk management and safety practices.

    So, even if you already have Ontario retail insurance, you may find that our Pickering, ON, team can offer a better service, more closely aligned with your actual business, and, often with a significant premium saving.

    And, if you're just starting out, make First Durham Insurance & Financial should your first call and you'll save time, hassle and money by letting us customize your own retail insurance plan.

    Discover right now how to get the best retail store insurance deal with the minimum fuss by simply on our Free Quote request button. There's no obligation, so you've got nothing to lose. But you may have a great deal to gain, including the peace of mind that comes with being properly protected. So click the button now.