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Protecting Shops, Stores & Customers

Retail Insurance

From small boutiques in Olivia to busy shops in Willmar, every retail business faces risks that can impact employees, customers, and inventory. Johannes Agency provides retail insurance tailored to businesses across Minnesota and beyond. For more than 33 years, we’ve helped local retailers protect their property, reduce liability, and keep operations running smoothly.

What’s Included in Retail Insurance Coverage

Retail insurance combines standard business protections with coverage options unique to customer-facing operations. Common coverages include:

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General Liability

Covers customer injuries and property damage claims.

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Commercial Auto

Available for businesses that deliver products.

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Commercial Property

Protects buildings, inventory, displays, and fixtures.

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Workers’ Compensation

Provides coverage for employee injuries and medical costs.

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Crime & Theft Coverage

Protection for losses from burglary, shoplifting, or employee dishonesty.

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Cyber Liability Insurance

Helps protect against data breaches and stolen customer information.

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Business Interruption Insurance

Helps cover lost revenue during temporary closures caused by a covered claim.

Retail Businesses We Insure

Johannes Agency insures a wide variety of retail businesses across West Central Minnesota, including:

  • Clothing & Apparel Stores

    From local boutiques to larger shops.

  • Grocery & Convenience Stores

    High-traffic businesses with inventory risks.

  • Specialty Shops

    Including sporting goods, furniture, and electronics stores.

  • Pharmacies & Health Stores

    Retailers with unique regulatory needs.

  • Franchises & Multi-Location Stores

    Operations requiring consistent coverage across multiple sites.

Retail Insurance FAQs

Here are answers to common questions retail business owners ask about insurance:

  • Does retail insurance cover shoplifting?

    Yes. Crime and theft coverage can help reimburse losses caused by shoplifting, burglary, or employee theft. This is often a critical part of retail policies.

  • Do I need business interruption insurance?

    Yes. Retail stores depend on steady foot traffic and sales. Business interruption coverage helps replace lost revenue and cover expenses if your store closes due to fire, storm damage, or another covered event.

  • What coverage do I need for employees?

    Minnesota requires workers’ compensation insurance for most employers. This protects employees if they are injured on the job and helps protect your business from related claims.

  • Is cyber insurance really necessary for retailers?

    Yes. Even small stores often handle credit card transactions and customer data. Cyber liability insurance helps cover costs from data breaches, stolen records, or online fraud.

  • Can I insure multiple retail locations under one policy?

    Yes. Many carriers allow multi-location coverage under one policy. Johannes Agency works with retailers to ensure consistent protection across every store.