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Running a retail store comes with a unique set of risks, from property damage to customer injuries. At Franklin Insurance Agency in Rio Rancho, NM, we work with business owners every day to help them find the right protection. Choosing the right commercial insurance can help your business recover quickly if something goes wrong.
General Liability Insurance
General liability insurance is one of the most essential coverages for any retail store. It protects your business if a customer slips and falls, is injured on your property, or claims damage caused by your products. Even with the best safety precautions, accidents can happen. This coverage helps cover legal costs, medical expenses, and settlements, ensuring your business isn’t left financially vulnerable.
Property Insurance
Whether you rent or own your storefront, property insurance is crucial. It covers the cost of repairing or replacing your inventory, equipment, furniture, and the building itself if damaged by fire, theft, storms, or other covered events. For retail stores that rely heavily on physical goods, this protection can mean the difference between a quick recovery and a significant setback.
Business Interruption Insurance
If your store needs to close temporarily due to a covered event like a fire or storm, business interruption insurance helps cover lost income. It can also assist with temporary relocation costs or ongoing expenses such as rent and payroll. This coverage ensures your business stays afloat while you work to reopen.
Protect What You’ve Built
Every retail store is unique, but the right insurance plan can safeguard everything you’ve worked hard to build. At Franklin Insurance Agency in Rio Rancho, NM, we’re here to help you find coverage tailored to your business needs. Contact us today to learn more about your options.