Evans, Pires & Leonard offers comprehensive insurance for retailers and retailers who offer installation. We provide Commercial Property Insurance that covers your building and contents, including inventory and personal property of others on premises. We also provide liability insurance, including General Liability that covers injuries to non-employees and damage to the property of others that arises out of your business operations.
We offer coverage for canopies, signage, glass breakage, and money and securities, which is critical for any business that accepts cash or checks. Our Inland Marine Insurance can cover tools and equipment taken on installation jobs. If your business is one whose inventory value fluctuates with the seasons, you will be interested in our Peak Season coverage. Since Business Auto doesn’t cover forklifts or other mechanized vehicles used within a facility, you can also choose specific coverage for that kind of equipment.
Our Flood and Earthquake policies can save your businesses in the event of such a natural catastrophe, even covering problems resulting from sprinkler activation due to an earthquake.
A General Liability policy can be targeted at retailers as well as retailers that offer installation services, but the policy has to be checked carefully for exclusions. We will help you make sure you are covered for Faulty Work, your Completed Operations, Product Recall, and any property damage that your workers might cause to someone’s home, business or auto during an installation. Our Employee Crime insurance covers not only employee dishonesty or theft from your business, but also accusations that a worker has stolen from a customer—for example, from their home or auto during a job assignment.
If you subcontract to installers, we’d like to review your contracts with them to make sure your liabilities for their work are properly insured. And keep in mind that we offer Employment Practices Liability Insurance and Workers Compensation, both of which are critical to retailers.