Insurance for Retailers: Your business is like no other. That’s why we offer tailored coverages to meet your unique needs.

Insurance for Retailers: Your business is like no other. That’s why we offer tailored coverages to meet your unique needs.

For retail companies, purchasing the right insurance to protect your business is among the most important decisions you make. At Liberty Mutual Insurance (and Morgan Insurance Agency), we’ve seen firsthand the negative effects a mandated product recall or damage to your merchandise can have on your customers, your financial well-being, and your hardearned reputation. We partner with each other to protect businesses like yours.

Our products offer coverage tailored to the complex exposures faced by retail businesses of all types, from home furnishings to florists and electronics stores. Whether your business is a single local shop or a national brand, you can depend on us to help safeguard your buildings, inventory, equipment, people, and more.

Tailored Coverages Address Your Complex Needs
■■ To protect your brand reputation, we cover the cost to remove your label from
goods damaged by a covered loss that are sold as salvage. (Brands and Labels)
■■ Fire and other events can cause serious damage to your buildings and inventory.
We provide protection for the loss of net income following covered events.
(Business Income)
■■ We can provide coverage if a delivery person slips and falls in your icy parking
lot and suffers a severe injury that leads to repeated surgeries and an inability to
work for several years. (Umbrella)
■■ If a customer sustains an injury on your premises, we’ll cover medical expenses
for that customer regardless of whether you are legally liable for the injury.
(Medical Payments)
■■ Your business depends on your equipment. If you experience damage or loss of
your core equipment, our coverage goes beyond simple replacement or repair.
We can extend protection to cover the loss of business income if you need to shut
down temporarily, the extra expenses to continue running your business, utility
service interruption, or the lost value of spoiled or contaminated products.
(Equipment Breakdown)
■■ Product recalls can wreak havoc on your income stream and reputation. We’ll help
you get back on track by covering associated costs such as notification, shipping,
warehousing, and additional personnel. (Product Recall Costs)

The Best Possible Outcome on Every Claim
When we’re handling your claim, you can expect us to do what’s right, to provide solutions, to be there when we’re needed, and to make the process as easy as possible.

Our dedicated general liability, auto, property, workers compensation, and employee benefits units ensure that your claim will be managed by the right person with the right expertise. Your claims handler can answer your questions and address your concerns throughout the life of the claim, allowing you to focus on your business.

Stop Accidents Before They Happen
Our risk control services help to safeguard your business, employees, and property. We’ll work with you to assess your business, identify exposures, and make practical, sustainable recommendations you can implement to help mitigate risk.

Risk management and safety resources include Liberty Mutual SafetyNet™, a proprietary website where you can sign up for online and in-person training on a variety of topics and access a broad range of educational materials and selfassessment tools to help keep your business safe. Consultants, including some specializing in retail, staff our Risk Control Consulting Center to answer your safety questions, provide advanced technical guidance, and make recommendations both before and after losses occur.

Manage Your Account Online
It’s easy to access your account information 24 hours a day, seven days a week. Go to to make a payment and manage your billing account; view, save, and print policies; and access Liberty Mutual SafetyNet. Our customer service professionals are on call to answer all of your account questions.


Protecting Your Business Has Never Been Easier. Contact your local independent agent (hopefully that's us, Morgan Insurance Agency!) to find out how they can help businesses like yours thrive.


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