Commercial insurance for retail businesses protects against risks like property damage, customer injuries, theft, and business interruptions. Key coverages include general liability insurance for third-party injuries or property damage, commercial property insurance for buildings, inventory, and equipment, and workers’ compensation for employee injuries. Many retailers also carry business interruption insurance to cover lost income during closures and crime insurance to protect against theft or fraud. Depending on the business, cyber liability insurance may be needed to safeguard against data breaches and credit card fraud.