Retail Business, Clothing and Shoe Store Insurance

Your customers are beginning to spend money again but today’s economy means less discretionary income. We can help protect your investment and livelihood by finding ways to maximize your dollar. CSS has a policy with your needs in mind.


You have many repeat customers. Do you want to provide coverage for medical costs incurred in the event that someone falls in your shop? We can do that. CSS  has Liability Limits up to $2 million per occurrence/$4 million aggregate and you can also purchase an umbrella with higher limits!

Building and Business Personal Property:

Do you own the building that you are in or are you required to insure it? Don’t forget that fixtures, improvements and stock need to be covered. We offer Equipment Breakdown coverage to protect your phone system and registers used to track inventory. It also covers the air conditioning/heating units so guests will spend more time shopping. Are you concerned that the sprinklers will go off in an earthquake? What about the holiday season? We also provide protection for the seasonal increase in goods!

Business Income:

If your business needs to shut down due to a covered loss, we provide Business Income for a 12 month period which can be extended to 24 months. If you need to temporarily relocate, we can cover the Extra Expenses to help keep your clients. Mercury will also provide protection if there is a loss to a property that you are dependent upon.  We have a complete package available which your independent agent can discuss with you. We offer discounts based on your deductible, sprinkler or central station alarms, years in business, loss history, even the age of the building! Be sure to use you agent as a resource when evaluating all your insurance needs.

Replacement Cost Included Newly Acquired Buildings $250,000

Spoilage Available Property Off Premises $50,000

Valuable Paper $50,000 Sewer Back-Up $25,000

Accounts Receivable $50,000 Off Premises Power Failure $25,000

Employee Dishonesty $10,000 Transit $25,000

Money & Securities $5,000 Signs $10,000

Seasonal Increase $5,000 Dependent Properties $5,000

Damage to Premises Rented to You $100,000

Glass ($100 deductible) $1,000/plate, $10,000/occurrence

Medical Payments $5,000/person, $10,000/occurrence

Building Ordinance or Law $100,000 (if you own the building or are required to insure it)

Equipment Breakdown Included – Policy Limit (Opt out available) Premise Distance Extension from 100 feet to 1,000 feet of designated premises

About Daniel McKenna

Dan McKenna
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