Commercial Insurance
Retail & Service Business Insurance in Indiana
Whether you sell products off a shelf or provide a hands-on service, we find coverage built around the way your business works.
Get a QuoteWho We Cover
Retail shops and boutiques, clothing and apparel stores, gift shops, sporting goods stores, hardware stores, beauty salons, barber shops, nail salons, spas, florists, pet grooming businesses, photography studios, and other product- or service-based businesses operating in Indiana.
Why Specialized Coverage Matters
Retail and service businesses face a wide range of liability exposures — customer injuries on your property, damage to clients' belongings, product liability for items you sell, and professional claims for services rendered. A general BOP may not cover all of these. We work with carriers who understand the retail and personal service space and can tailor coverage to match your specific operation.
Coverages We Place
- General Liability Insurance
- Commercial Property Insurance
- Business Owners Policy (BOP)
- Product Liability Insurance
- Professional Liability (E&O)
- Business Interruption Insurance
- Workers' Compensation Insurance
- Commercial Umbrella / Excess Liability
- Cyber Liability (for point-of-sale systems)
- Employment Practices Liability (EPLI)
Common Questions
What's the difference between general liability and professional liability for a service business?
General liability covers bodily injury and property damage that happens at or because of your business. Professional liability (E&O) covers claims that arise from the service you performed — for example, a client claiming a haircut caused scalp damage, or a photographer who missed a wedding. Service businesses often need both.
Do I need product liability if I don't manufacture anything?
Yes. If you sell a product — even one you didn't manufacture — you can be named in a lawsuit if that product causes harm. Retailers are commonly included in product liability claims alongside the manufacturer.
Can you cover my inventory?
Yes. Commercial property coverage includes your business personal property — stock, inventory, equipment, and fixtures. We'll make sure your limits reflect the actual value of what you keep on hand.
Ready to Get Covered?
Tell us about your business and we'll find the right coverage at the right price.
Start a QuoteOr call (317) 800-6201Independent Agency
As an independent agency, we're not tied to any single carrier. We shop multiple markets to find coverage that fits your specific business.
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