Retail Business

Protect your continuity with customers


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Success is keeping your doors open and ready to serve your customers.

 

The retail store owner

You buy and sell goods and services to make customers happy. You’re prepared to handle nearly any challenge on a day-to-day basis. When it comes to understanding what people want, sales and service, inventory control and bottom-line management, you’re the expert.

But are you prepared for the unexpected? Do you have a sound safety and security plan? Are you ready to deal with events that could spiral out of your control?

A Business Owners Policy (BOP) is the foundation of any safety and security plan. Be prepared to respond to nearly any unforeseen situation: theft, fire, lawsuits, breakage … and more. It protects your enterprise against loss, damage, liability or business interruption.

Your ability to quickly recover and sustain the operations of your business is essential to continuing and keeping good relationships with your customers.


Protecting your investment

You invest your time, money, skill and assets in your business. Your business has a bright future. Now let’s get you covered . . .to keep it that way. CIG has a long and strong record of protecting investments and business relationships.


Coverage descriptions are for illustrative purposes and are intended solely to provide a general overview of potential coverage. Information included does not represent a contract or any other obligation. Only an insurance policy can define actual terms, conditions, rates and exclusions. Please consult your local agent for complete details.

Availability: CIG Commercial Auto coverage is currently available in Arizona, California, Nevada, Oregon and Washington. Types of policies may vary from state to state.


Connect with your CIG Insurance Advisor today!

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Custom Coverage

  • Choose the best Business Owners Program from the top regional carrier in the West, custom-designed for the continuous protection of your business investments.
  • Start with business continuity protection. CIG coverage provides an extensive 18-month period of Indemnity in the event of a business interruption -- giving you ample time to get back on track.
  • What's more. . . CIG facilities protection offers outstanding Fire and Liability coverage, as well as Equipment Breakdown insurance covering the consequences of electrical and air conditioning failures -- more value at lower rates. Just compare.
  • CIG is the West's leader in property and liability insurance -- preferred by thousands of satisfied business owners.


Coverage highlights:

  • Accounts Receivable
  • Building and Property Off Premises
  • Building Income
  • Electronic Data Processing
  • Forgery and Alteration
  • Money & Securities
  • Reverse Flow of Sewer Or Drain Water
  • Tenant’s Building Glass
  • Outdoor Property/Trees and Shrubs
  • Interuption of (Utility) Service
  • Increased Period of Restoration
  • Building Ordinance
  • Key Replacement or Lock Repair
  • Trees and Shrubs
  • Extra Expense, Ordinance or Law
  • Fire Extinguisher Recharge Expense
  • Valuable Papers/Records- Cost of Research
  • Machinery & Equipment
  • Arson Reward
  • Loss Adjustment
  • New Building Acquired/Constructed
  • Income Support Property
  • Fire Department Charges
  • Employee Dishonesty
  • Exterior Signs
  • Exterior Building Glass
  • Forgery and Alteration
  • Computer Equipment, Media, and Data
  • Personal Effects
  • Personal Property
  • Property of Others

Additional options available for eligible risks, business automobile, hired auto and non-owned auto protection, umbrella liability protection.