Accidents in standalone stores and retail outlets in malls, including supermarkets, cafes, and restaurants, are unfortunately common. While there are many ways a customer can be injured or experience property damage, retail store negligence and unsafe conditions are among the top causes.
Owners of shopping centers and malls, as well as tenants of storefront spaces with high-risk exposures—such as large crowds, unique operations, or specialized services—may find it challenging to secure coverage through standard insurance carriers.
Non-Standard Retail General Liability Insurance is designed to offer more flexible and comprehensive protection, with broader coverage terms and higher liability limits to help safeguard businesses operating in higher-risk retail environments.
What is Non-Standard Retail General Liability?
Non-standard general liability insurance is a type of commercial coverage tailored for retail businesses that may not qualify for standard policies due to increased risk factors. This policy helps protect against third-party claims involving bodily injury, property damage, and more. It is especially useful for businesses with unique operations or past claims history.
Who Needs It
Retail businesses that may benefit from non-standard liability insurance include:
- Independent stores with high foot traffic
- Shopping mall tenants with unique offerings
- Supermarkets, cafes, and restaurants
- Businesses with prior claims or gaps in coverage
- Retailers with specialized or high-risk inventory
What It Typically Covers
A non-standard retail general liability policy often includes coverage for:
- Customer slip-and-fall injuries
- Property damage caused by store operations
- Legal defense costs for covered claims
- Medical expenses for third-party injuries
Common Exclusions and Limitations
While coverage is broad, most policies exclude:
- Intentional acts or criminal conduct
- Employee injuries (covered under workers’ compensation)
- Damage to your own property
- Professional liability (errors and omissions)
Factors That Influence Cost
Premiums for non-standard retail liability insurance depend on several factors, including:
- Type of retail operation
- Location and size of the business
- Annual revenue and payroll
- Claims history and safety record
- Selected coverage limits and deductibles
Proof of Insurance and Compliance
Many landlords, lenders, and local authorities require proof of general liability coverage before allowing a business to operate. A Certificate of Insurance (COI) serves as this proof and demonstrates that your business meets contractual and regulatory insurance requirements. Always review local and state guidelines for specific mandates.
How to Get a Quote
If your retail business has been turned down by standard carriers or you need coverage with broader terms, Non-Standard Retail General Liability Insurance may be the right fit. Get started with a quote today.
Frequently Asked Questions
What makes a retail business "non-standard" for insurance purposes?
Retail businesses may be considered non-standard if they present higher-than-average risk due to location, operations, claims history, or customer volume.
Can I get coverage if I’ve had past liability claims?
Yes, non-standard policies are designed to help businesses with prior claims obtain necessary liability protection, though terms may vary.
Is non-standard liability insurance more expensive?
It can be, depending on the risk profile of your business, but it also offers broader coverage that may be unavailable through standard carriers.
Does it cover injuries to my employees?
No, employee injuries are typically covered under workers’ compensation insurance, not general liability.
Do I need a special policy if I operate in a mall?
Retailers in malls may need non-standard liability coverage due to higher foot traffic and shared spaces. It depends on the lease agreement and operational risks.
Still have questions? Talk to a local insurance expert.