Texas Retail Shop Insurance


Whether you’re a mom-and-pop store on the corner, a chic boutique downtown, or on the road to being the next big box retailer, you opened your store for a lot of reasons. You wanted to build something for yourself and your family. Maybe you saw a real need in town for the products you carry. Maybe you just really love what you sell.


No matter why you opened your retail shop, you need to do everything that you can to protect it. The best way to protect your business from the things you can’t predict is with a good, solid insurance policy.


At Patterson Insurance, we can offer comprehensive coverage for your store without breaking your budget. Every store is different. The small corner store doesn’t need the same amount or type of coverage that the larger franchises need.


All stores need certain basic insurance coverage, though.


General liability insurance

Takes care of you and the store if a customer or vendor falls, trips, slips, gets hurt, or has their property damaged while at your shop.


Property insurance

Can replace or repair your equipment, inventory, and building.


Workers’ compensation

Covers you and your employees by paying lost wages and medical payments when they get hurt, and taking care of legal expenses if you get sued.


Commercial auto insurance

Protects you and your business if you or an employee makes a delivery or runs an errand for the store.


Once you have the basics taken care of, it’s time to consider additional coverage specific for your store’s needs.


Employee Dishonesty

This covers you if your employee steals cash, credit card numbers, or inventory.


Employment Practices Liability Insurance

You’ll be protected in case an employee accuses you of harassment, discrimination, or wrongful termination.


Sign Insurance

Without a sign people think you’ve gone out of business. This insurance will repair or replace your sign under a covered peril.


Business Income

If a covered loss happens to shut you down for any reason or limits your income, this coverage kicks in to replace your lost income so you can still pay your employees and keep the business moving forward.


Brands and Labels

Having to remove brands or labels from merchandise or deal with spoiled goods is expensive. If a covered loss forces you do this, your coverage will help pay for the cost to get the job done.


Computer Property

In this day and age almost every store has a computer system for ringing people up and taking payments as well as keeping up with your inventory. This protects you and your business against the loss or damage of your computer systems.


Every retail shop needs something a little different. Sit down with the Patterson team to discuss your store and what we can do together to protect it. No one can predict the future, but we can make sure your business has the right insurance coverage in place to weather any storm.

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The coverage you can count on to protect the life you’ve worked so hard to build, from agents that will treat you like part of the family. It’s the Patterson way.

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Are you thinking of adding a cafe or eatery to your store? Make sure you have restaurant insurance coverage, too. There may be some overlap but cafes have unique needs and potential problems. Make sure you’re covered before you serve the first muffin or cup of coffee.