Retail Business Insurance

Q: How do Builders Insurance solutions support small retail businesses?

Builders insurance solutions offer flexible, scalable policies and personalized risk management advice to support the unique needs and challenges faced by small retail businesses. Reach out to us today to personalize a plan to your needs.

Q: What factors affect the cost of insurance in the retail business?

Insurance costs are influenced by your business size, location, revenue, the products you sell, and your claims history. Tailoring coverage to your specific needs can ensure you're not overpaying. The best way to find out for certain is to reach out to us to work with someone who can listen to your situation and devise a roadmap.

In a dynamic retail landscape, protecting your team against unexpected risks helps ensure your business continues to serve your community and grow.

Discover how we can protect your shop's employees by reaching out to us today.

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Why Coverage Matters for
Retail Businesses

In a dynamic retail landscape, protecting your team against unexpected risks helps
ensure your business continues to serve your community and grow.

Promote Employee Well-Being

Employees are the backbone of any retail operation. Workers’ compensation is essential not just for complying with legal requirements, but also for fostering well-being and ensuring that injured employees receive care, compensation, and a path to recovery for a more whole and valued team and a faster return to work.

Prevent Accidents Proactively at Your Establishment

Partner with an insurer with decades of expertise in helping prevent workplace injuries before they happen. At Builders, we promote jobsite safety through our own Builders Safety Academy, providing webinars, accredited OSHA training, and many resources to our agent partners, policyholders, and retail professionals.

Specialty Programs & Reinsurance

Elevate your program’s capacity with secure paper backed by world-class reinsurers. Expand your retail insurance market share with controls that keep your program on track for profitability and success!

At Builders, Your Customer Experience Matters

Every sale made and customer delighted tells a story—your retail buyer’s journey. At Builders, we guard the buyer’s journey by adding trust and confidence to your operations, promoting well-being among your workers, and securely backing your goals so you can operate freely.

Find Your Local Agent

Builders partners with local agents across the nation who can listen to your needs to craft right-fit policies for your business. Find your local agent today!

Oakbridge Insurance Agency, LLC

Alera Group, Inc

Marsh McLennan Agency LLC

WELLS INSURANCE

WICKSTRAND INSURANCE

WORLEY SCHILLING & RANDALL INC

WEAVER INSURANCE & FINANCIAL

WORLD INSURANCE ASSOCIATES LLC

Successful Retail Partnerships

Building Meaningful Connections

Your experience is our priority. Don’t take it from us — our customers voice their satisfaction.

Just wanted to let you know that your team does a great job handling their files. By far, Builders is one of the best carriers we work with. Keep up the excellent work!

Keith

As an agent working with Builders I have been very impressed with the service to my clients. Builders has been quick to respond when my clients have inquired into claims or billing issues.

Canoble

Builders Insurance Group is a trusted partner that I recommend to all of my construction and non-construction clients due to their commitment to service. Few partners match up the way they do!

Josh

Our local Builders Insurance Representative Jennie Douglas is absolutely amazing! We have cultivated a long-standing relationship that we cherish! Her involvement with and support of our local HBA, members and insureds is phenomenal! Thank YOU Jennie and Builders Insurnace for all that you do!

Jill

I have been dealing with Builders for over 20 years. Their customer service exceeds so many in the industry. Their personnel are easy to contact, and are quick with a response. The claims team is 2nd to none. Love working with them.

Dawn

I have worked with Builders for over 30 years. They truly are experts in what they do. Their coverage forms for contractors are outstanding, and they continue to expand their programs. Their online rating is super easy to use. Jennie Douglas and Tami Moore are awesome partners.

Libby

Highly recommended this insurance company! Big enough to handle any size account but small enough to provide personal touch and excellent customer service.

Danny

The entire team at Builders Insurance Group is fantastic to work with. They are a great partner for our agency and are always quick to respond.

Graham

I love working with Builders Insurance Group. Their forms and coverages are top notch, just like their people and my favorite underwriter Tami Moore! The rates are more competitive and their rating system is straight forward. Highly recommend.

Angela

We have worked with Builders Insurance Group for the past 20 years providing their quality insurance products to our clients. Their team consistently provide excellent service and response time. We highly recommend them to you.

Greg

Builders is a valuable agency partner for our independent agency. The underwriters, claims reps, audit department, and marketing managers are PHENOMENAL. They are a pleasure to work with. We are truly grateful for our long standing partnership with Builders!

Jamie

Great Company! As an Agent, they are quick to respond and get anything we need. Very cooperative on the audits and claims. Looking forward to continue working with them.

Lukas

Builders is a company that is not only innovative, responsive, consistent but also a true agency partner. Builders is 100% committed to a providing the highest industry standard for its teammates, partners and their customer base. It is a pleasure to work with the Builders team, and especially with my marketing representative, Jennie.

Kathryn

Builders Insurance is a great company to work with. They always go above and beyond. They are easy to work with and very responsive. It is always a pleasure to work with the wonderful marketing rep, Jennie!

Rachel

Builders is a great agency and client partner who understands the industries they were and provide strong claims service to their insureds and agents.

Michael

Builders is a great company. I have worked with Jennie at Builders for close to 20 years. Our agency is proud to represent Builders Insurance Group.

Joe

Builders is a great partner for our agency. Quick to respond, quality service, great reputation within the industry. Not to mention Jennie is a fantastic marketing rep!

Julianne

Builders Insurance offers products to meet the needs of the construction industry and beyond. In my personal experience, each department (marketing, underwriting, claims, etc..) is a pleasure to work with and strives to provide the best service and product for an insured.

Great partner for our agency. Love working with Jennie, and the Builders team!

Luke

Builders is fantastic insurance company that continues to meet the needs of our clients, especially those in the construction industry. Their team of insurance professionals continually provide excellent service in a timely fashion.

John

Builders is a wonderful company to work with. Their expertise in the construction industry is second to none and they are staffed with knowledgeable highly attentive personnel. Pleasure to do business with!

Aaron

Jenny D and Mike H are great to work with!

When Builders Insurance Group came into Florida as an insurance, it has been a complete pleasure dealing with them. The underwriters are so responsive and knowledgeable, their claims team is always ready to assist and their auditing team is always ready to educate and make sure that the client knows what is needed. This truly is a great insurance carrier.

Michelle

I work at an independent agency with 25+ years of working with Builders. Builders has always provided competitively priced products with exemplary claim service.

Charles

Builders has a great team and they are easy to work with!

James

Builders Insurance Group is a strong partner that stands by its insurance customers in their time of need. Our agency is proud to work with them to help deliver outstanding customer service and peace of mind. We can’t thank the Builders Insurance team enough for all they do.

Brian

As a commercial agent, I enjoy placing my construction accounts with Builders. They are easy to work with, great products and pricing.

Steven

As an Independent Agent, Builders Insurance Group is a vital partner in our success of adequately insuring our customers and offering them a company with the highest level of customer service. Builders is a trustworthy company with knowledgeable staff, a broad policy form, and excellent customer service.

Hanson

Builders continues to offer first class products and services to all of our policyholders in our agency. We can't thank them enough for the job that they do serving our agency and our insureds!

Hogan

I had a work related injury, and the staff here have been super. Jan went above and beyond to help and make sure I was ok. I can't thank her enough.

Joseph

Builders is a fine insurance company with a tremendous team. It is a pleasure to work with them.

Chris

Find Out More About Insurance in Retail

We blend sweeping coverage with expert advice to protect your retail business against unforeseen challenges and
risks. Discover how we can help you navigate the complexities of retail operations with confidence.

What insurance policies are recommended for retail businesses?

Retail businesses should consider workers’ compensation insurance to safeguard retail workers against common operational risks and help injured employees heal and return to work faster.

How do Builders Insurance solutions support small retail businesses?

What factors affect the cost of insurance in the retail business?

How often should retail businesses review their insurance coverage from Builders?

Retail businesses should review their insurance annually or whenever there are significant changes in operations, headcount, or inventory levels to ensure coverage remains adequate. Because we calculate your workers’ compensation premiums using exposure on variables like payroll, we conduct seamless annual audits to ensure your premiums remain accurate. A review of your payroll records for the expired year will be conducted within 60 days of the end of your policy term, and your Builders auditor will reach out 1-2 weeks before your scheduled audit appointment. To work with an insurer who excels in painless audits, reach out to Builders today!

Check Out Our Other Products on Offer

Discover thorough coverage options that protect your store employees and offer safety and accident prevention guidance so you can focus on a seamless shopping experience for your customers.