Retail Stores and Services

Offering goods and services to the general public, you face a unique set of challenges. BXS Insurance understands those challenges and can customize insurance that covers your property, your inventory, your income and your employees.


Crime Coverage

Coverage that protects your retail store in the event of employee theft.


Income Coverage

Additional coverage for your expenses in the event you cannot operate.


Inventory Coverage

Get the additional coverage you need to protect your businesses financial future.

  • Personalized services with expert claim handling.
  • Adjustable coverage premium plans that cover your exposure.
  • Knowledgeable staff that can assess your exposure and risk.
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Coverage & Benefits

Available Coverage

  • Commercial Property
  • Commercial Automobile
  • Commercial General Liability
  • Business Interruption
  • Cyber Liability/Data Security Liability
  • Trade Name Restoration
  • Workers’ Compensation
  • Umbrella/Excess Coverage
  • Employment Practices Liability
  • Crime
  • Fiduciary Liability

Available Service

  • Claim and experience modifier analysis, including loss-cost drivers
  • On-premises liability, fire protection and security surveys
  • Crisis management and emergency planning
  • Building valuation services
  • In-house risk management, including in-depth evaluation of your operational risks, such as human resources/safety, fixed assets, fleet, and contractual services
  • In-house loss control, including help with operational safety programs
  • In-house claim advocacy, helping with coverage, conflict, claim strategy, mediation and resolution
  • In-house workers’ compensation experience modification review, focusing on claims reserves
  • In-house monitoring for all workers’ compensation claims in excess of $5,000
  • Preparation of bid, performance and payment bonds, as well as other surety forms
  • Contract/subcontract analysis determining contractual exposures, including insurance requirements, indemnities, additional insured, waiver of subrogation and statutory employer
  • Innovative risk-transfer solutions, including options for high deductible/self-insured retention, annual aggregate deductibles, retrospective rating plans and captives

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