Commercial insurance for retail & wholesale businesses

Retail and wholesale businesses depend on their buildings, inventory, and equipment to keep serving customers. A fire, theft, or water damage can lead to costly losses and disrupt daily operations.

Property coverage helps pay to repair or replace business property after a covered loss. Business Interruption coverage can help replace lost income and pay certain ongoing expenses while operations are temporarily suspended.

THREE’s policy includes Property and Business Interruption coverage, helping repair damages and keep your business moving forward.

Retailers and wholesalers rely on payment systems, ecommerce platforms, and customer information to conduct business. A data breach or compromised account can create devastating consequences.

Cyber Liability coverage helps with expenses resulting from a cyberattack. Cyber Incident Response provides support with managing the incident, notifying affected customers, and restoring systems.

THREE’s policy includes Cyber Liability coverage and Cyber Incident Response, helping your business respond and recover after a cyber incident.

From stocking shelves to receiving shipments, retail and wholesale work can be physically demanding. Slips, falls, or lifting injuries can put employees out of work and create unexpected expenses.

Workers’ Compensation helps pay costs associated with a work-related injury, including medical care and lost wages.

THREE’s policy includes Workers’ Compensation, helping protect your business and the employees who keep it running.

The products you sell can create risks even when you didn’t manufacture them. If a product causes an injury or damages someone’s property, your business could face an expensive claim.

Product Liability coverage helps protect retailers and wholesalers against claims involving the products they sell or distribute.

THREE’s policy includes Product Liability coverage, helping protect your business when a product leads to harm or damage.

Retail and wholesale businesses trust employees with cash and inventory every day. If an employee steals money or merchandise, the financial loss can quickly add up.

Employee Theft coverage helps protect your business against losses from an employee stealing money or business property.

THREE’s policy includes Employee Theft coverage, helping protect your business from the financial impact of employee theft.