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M.J. Hall & Company now offers Retail or Wholesale Stores Insurance — a flexible and robust solution designed for the complex exposures faced by retail and wholesale operations. Comprehensive Coverage for Retail and Wholesale Businesses Retail and wholesale businesses have unique risks due to customer foot traffic, employee exposure, physical goods, and high-value inventory. M.J. Hall & Company, Inc. understands these challenges and has built an insurance solution to address the needs of Retail Stores, Wholesale Stores, Distributors, and Importers. This includes a wide array of industries such as auto parts, clothing, groceries, furniture, hardware, household goods, industrial and manufacturing equipment, medical supplies, and pharmaceuticals. Target Classes and Ideal Accounts We offer coverage for a broad selection of businesses, including but not limited to: Independent retail stores and chains Wholesale distributors and importers Specialty equipment dealers Pharmaceutical and medical supply vendors Furniture and hardware outlets This program is a good fit for both Main Street operations and more complex risks with specialized inventory or high customer volume. Liquor liability is available for eligible accounts. Coverage Highlights Our Retail or Wholesale Stores Insurance includes a range of essential protections: General Liability Primary limits up to $3,000,000 Liquor liability available Medical payments coverage – $5,000 limit Additional insureds as needed Property Coverage Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) Building and Contents Business Income Equipment Breakdown Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime Coverage Inside the Premises – Theft of Money and Securities Outside the Premises Underwriting and Premium Details Minimum premiums typically start at $500 and vary based on risk characteristics and coverage selections. We work with various carriers to tailor options for your clients. Our underwriters are experienced in evaluating both standard and hard-to-place risks, offering competitive and flexible solutions through the Excess & Surplus marketplace. Program Availability This program is available in the following states: Alaska (AK), Arizona (AZ), California (CA), Hawaii (HI), and Nevada (NV). Admitted and non-admitted options may be available depending on the state and risk. Why Work with M.J. Hall & Company As an established Excess & Surplus Lines Broker, M.J. Hall & Company provides agents and brokers with access to a wide network of carriers and deep underwriting knowledge. Our team understands the nuances of retail and wholesale risks and provides responsive service and customized solutions. Whether you are placing a new venture or a growing operation with complex needs, we are here to help you craft the right coverage. Our agents are ready to assist with your Retail or Wholesale Stores Insurance submissions. Contact us today to discuss your client’s unique needs. For appointment contact: [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail stores, wholesale operations, distributors, and importers of goods such as auto parts, furniture, groceries, medical supplies, and more. Is liquor liability available?Yes, liquor liability can be included for eligible accounts depending on the risk profile and underwriting approval. What is the minimum premium for this program?Minimum premiums typically start at $500, but may vary based on the size, location, and type of business. In which states is the program available?This program is currently available in Alaska, Arizona, California, Hawaii, and Nevada. What types of property can be covered?The program can cover buildings, contents, business income, equipment breakdown, computer equipment, outside signs, and more. Need help placing an account? Connect with a market specialist.