No Matter What’s on Sale, We’re Always on Call
Need an insurance policy that’s just the right size for your general merchandise business? We’ve got the goods to help you face risks, tackle unique situations, and keep your business booming.
Exclusions Required for this Business Class
Business Types:
- Warehouse Clubs and Supercenters
- Stores except for ones that sell food or drinks, or sell used baby furniture and/or used protective sporting equipment, or has locations that are pawn shops.
- Variety Stores except for those with pawn shop locations.
*All policies subject to underwriting review.
Good Coverage Is Always a Must-Have Item.
Whether you sell groceries, home goods, or bulk items, we have the products you need to help you stay confident in the general merchandise space. With a range of available coverage options, Westfield is your one-stop shop for small business insurance that lasts. Explore our offerings and see how coverage from Westfield turns over 175 years of experience into a flexible insurance policy that is an essential investment in your business.
Imagine insurance as it should be – built to change with your store and inventory. Whether you own one store or 10, you start with a solid policy that has options to add coverage and limits based on what you need. Go ahead and grow … or even scale back if you need to. We’ll adjust. Watch the video (Not available for Army or Navy stores)
A single cyberattack can disrupt your business and reputation. If your business does become the target of an attack, Westfield cyber insurance helps you respond quickly and comprehensively to threats including breach of personal information, hacking, or damage to data and systems, as well as covering costs associated with related litigation. Learn more
All types of general merchandise stores can lose revenue when equipment is damaged from power surges, electrical shortages, or employee mishaps. Equipment breakdown insurance covers the cost to repair or replace equipment or property damaged by the breakdown, including lost productivity. Learn more
People can make or break your business. Employment Practices Liability Insurance (EPL) protects your business in the event of wrongful termination, discrimination, or harassment suits with reimbursement for legal costs, judgements, and settlements. (Note: EPL is distinct from Workers’ Compensation coverage.)
There’s a lot to lose in the event of a fire or flood, even beyond inventory. ALS business income insurance is a robust business interruption insurance plan that covers losses sustained as a result of direct physical loss or damage to your business office, giving you the ability to weather any storm and protect your investments.
Just as some of your customers may buy more than others, we also make it easy for store owners to expand their coverage. Depending on your facility, it may make sense to select expanded coverages that include foundations, underground pipes, excavation costs and more. On the liability side, you may add up to 10 additional co-owners, managers, or other business partners.
Your employees are worth protecting. Workers’ Compensation provides wage and medical benefits for employees who are injured or become ill as a direct result of their job.
Why Choose Westfield?
We know a little bit about history and why it matters. We combine the stability of a company more than 175 years old with the imagination of a modern, diverse team to serve the needs of small businesses as they grow, pivot, and expand in any ever-evolving landscape. It’s a combination that builds both reputation and results, which is how we’ve maintained an AM Best Financial Strength Rating “A” since 1934.
What Our General Merchandise Store Owners Are Saying About Their Claim Experience
"I had anxiety about getting everything replaced after my incident, but after talking with representatives I was confident I could be back up and running quickly. Thank you Westfield for being there for me."
"Everything was handled quickly and fairly. I am completely satisfied with my first-ever claim I have had to deal with. Thank you."
"It was a very easy process."