Retail Office or Service Insurance
Keep Your Business Running Strong
Running a retail location—whether it’s a store, office, or kiosk—can be incredibly rewarding, but it’s not without its challenges. To keep your business thriving, it’s crucial to have the right insurance that protects your investment from life’s unexpected moments.
What we cover
Every retailer is unique, so the coverage you need might vary. However, there are some key types of insurance that most businesses can benefit from. Let’s take a look:
General Liability Insurance
This covers accidental property damage or injuries to people (other than employees) in your store. It can also cover legal fees and settlements if someone sues you.
Commercial Property Insurance
Protects your business’s physical assets—inventory, furniture, equipment, and even your store itself. If a small fire destroys some inventory, this coverage helps replace or repair those items.
Business Interruption Insurance
If something forces you to close your business temporarily (like a fire or storm), this insurance can help cover lost income and relocation costs until you're back up and running.
Cyber Liability Insurance
Protects you from the financial fallout of data breaches, covering recovery costs, legal fees, and more.
Product Liability Insurance
If a product you sell causes harm or injury, product liability insurance helps cover legal costs, settlements, or judgments.
Workers' Compensation Insurance
Most states, including Texas, require businesses with employees to carry workers’ comp. This coverage helps if an employee is injured or falls ill on the job, covering medical bills, lost wages, and more.
Why The Ford Agency
No two businesses are the same, and neither are their insurance needs. At Ford Insurance, we offer customized coverage options to help you safeguard your business from the unpredictable. Our aim is to give you peace of mind, so you can focus on what you do best—running a thriving business.
SPECIALTY INSURANCE
What is Specialty Insurance?
If you own one of the following items, you may want to consider purchasing an additional specialty insurance policy to cover any accidents, theft, or damage.
- High performance or collector vehicles
- ATV- Motorcycle
- Boat
- Recreational Vehicle
- High Value Home
- High Value Renters
- Collectables and collections
- Jewelry
Motorcycle or ATV
Motorcycle insurance, like ATV insurance, is separate from traditional car insurance. It will reimburse you for expenses related to accidents, injuries, and lawsuits and can also help you replace your motorcycle if it is damaged or stolen. Motorcyclists involved in an accident with a driver who has inadequate or no insurance will also receive financial support through their own insurance policy, which can save them a significant amount of money.
Boat Insurance
Boats typically require owners to maintain insurance policies. Boat insurance covers loss or damage of a variety of watercraft, including most motorboats (fishing boats, etc.) and pontoon boats, paddle boats, leisure crafts, and yachts. Typically it does not cover canoes, kayaks, and other small or personal watercraft. Boat insurance covers collisions, property, and bodily damage, and theft. Additional coverage can be purchased for medical payments, fishing equipment, and oil spills, among other options.
RV Insurance
RV insurance covers you from excessive financial loss in the event of an RV accident, including property and bodily damage to you or other motorists. RV insurance is a separate policy from car insurance. Additional coverage options can include campsite and vacation coverage and full-timer coverage if you plan to live in your RV as your full-time residence for a period of time. Without this type of insurance, you can be faced with extensive financial burdens to repair or replace your RV while traveling.
High Value Home or Renters Insurance
High-value home insurance is one of the most comprehensive types of insurance available and is tailored to provide coverage for homes with special design elements and other features, homes that were designed by an architect or decorated by an interior designer, or homes that have historical significance.The same is true for high-value apartments or condos being rented. This type of insurance can also cover high-value art, rugs, jewelry, and other special items, like antiques, that are stored inside the house. High-value home insurance can be beneficial even for homes that are modest but older or historic so contact us to see if your home is eligible.
