Retail & Shop Insurance
You've Built More Than a Store. Protect the Business Behind It.
Every day you open the doors, you're responsible for more than what's sitting on the shelves. You have customers walking through your business, inventory you've paid for, equipment you depend on, employees, electronic payments — and income that depends on keeping the doors open.
At Lieck Insurance Agency, we'll learn how your business operates and shop the carriers we represent to help build coverage around your store, your property and the risks you actually face.
Insurance for Shops of All Shapes and Sizes
Whether you operate a neighborhood storefront, specialty shop, or a retail business with online sales, we'll help you explore coverage designed around the way you do business.
Don't see your business listed? That's okay. These are just a few of the retail businesses we can help insure.
What Could Put Your Business at Risk?
A Customer Gets Hurt
A wet floor, crowded aisle or other accident can turn into a liability claim faster than you might expect.
Your Inventory Is Damaged or Stolen
Fire, theft, storms and other covered losses can damage the merchandise you've already invested in.
You Have to Close Temporarily
Damage to your location doesn’t just create a repair bill. It can also mean days or weeks without normal business income.
Your Business Goes Digital
Online sales, customer information and electronic payments can create cyber exposures that traditional property insurance wasn’t designed to address.
Coverage Built Around Your Retail Business
Business Owners Policy (BOP)
Combines several important protections, commonly including general liability, commercial property and business income coverage.
General Liability
Helps protect your business against certain claims involving customer injuries, property damage and other everyday liability exposures.
Commercial Property
Helps protect your building, inventory, equipment, furniture and other business property against covered losses.
Business Income
A covered loss can shut down your business even after the immediate damage is over. Business income coverage can help protect against certain lost income and continuing expenses.
Workers' Compensation
Coverage for employee work-related injuries and illnesses, subject to the policy and applicable Texas requirements.
Cyber Liability
Protection designed for certain risks involving customer information, computer systems, data breaches and cyber incidents.
Commercial Auto
If your business owns or uses vehicles for deliveries or other business operations, commercial auto coverage may be part of the solution.
Commercial Umbrella
Provides additional liability limits above certain underlying policies when a business needs more protection.
Why Retail Businesses Choose Lieck Insurance Agency
Multiple Carriers. More Options.
Every retail business is different. As an independent agency, we can shop the carriers we represent to help find coverage that fits your operation instead of trying to fit every business into one company’s policy.
We Look Beyond the Storefront.
Inventory, employees, deliveries, online sales, customer traffic and business income can all change your insurance needs. We take the time to understand how your business actually operates before recommending coverage.
Local. Independent. Easy to Reach.
When you have a question, need a certificate, make a change or have a claim, you shouldn’t have to wonder who to call. We’re a local New Braunfels agency, and we’re here when you need us.