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Retail & Wholesale Insurance

Whatever and however you're selling, you do your best to make sure that nothing negatively impacts your customers' experience or your business. When events go beyond your control and all your hard work is wiped out by theft, property damage or an accident, BCAA Retail & Wholesale Insurance coverage makes sure it won't put you out of business and can help you get back on track. Don't leave anything to chance. Find the best coverage for your business so you can run your store with peace of mind.

Businesses We Cover

We cover a wide-range of businesses that need insurance, including:

Clothing & Accessories

Computer & Electronics Store

Auto Repair Garage

Liquor Store

Garden Supplies

Furniture Store

Sporting Good Shop

Grocery Store

HVAC Equipment Wholesale

Auto Detailing Shop

Don't see yours? Find it here.
We specialize in businesses with fewer than 10 employees and less than $5 million in yearly revenue. Start a quote to get the right coverage.

Do You Need Retail & Wholesale Insurance?

The short answer is, "yes," because more than a third of small businesses go through a claim-worthy event in the first 10 years. Every store owner, because you're dealing with members of the public, should protect themselves with liability insurance in case a customer or an employee is injured in your store or by one of your products. And these days, that includes cyber risk coverage too, to protect you in case a data breach exposes any confidential information.

Exactly what shape your coverage takes depends on your operation. For example, if you're running your store from home, you may be eligible for our Home-Based Business Package. This package has a limited coverage limit ($50,000) but can save you money on your policy, while protecting you in case anything happens on your premises—like a delivery person slipping and hurting themselves—or water damage to your stock from a burst pipe. You can see common types of retail coverages below or use our online quote tool to find customized coverage for you.

Recommended Coverages for Retail

Commercial General Liability

This covers you if someone injures themselves while at your store. It also includes product liability which protects you when a product you sell causes harm to someone else or damages their property. You can be held responsible for the expenses, legal fees and lost wages that result.

Cyber Risk

Cyber risk is included with all our business policies to help protect your business from the costs and risks that can follow a cyber-attack, such as restoring of your system, notifying customers about the compromised data and providing credit monitoring.

Property Insurance

If something unfortunate happens at your store, such as a fire, flood or theft, this provides coverage for replacement or repair costs for your building, as well as fixtures and your stock.

Business Interruption Insurance

Imagine a fire closes your shop for three months, your property insurance will help you get back on your feet. Business interruption insurance will keep you on your feet in the meantime by helping cover the income you're missing out on.

Small Retailer Setting Up Chalk Board

Coverages Depending on Operations

Equipment Breakdown

For some stores, a key piece of equipment can make or break their operations. Get coverage to help with replacement, repair, as well as lost income until it's back up and running again. 

Transit Floater

If you're sending products to a customer within Canada, or even if your delivering them yourself, make sure your items are covered once they've left your property until they reach their final destination.

Laptop & Portable Electronic Equipment Floater

Chances are, you use a computer or your phone to keep your store running smoothly. If you take them with you when you leave the store, we'll make sure they're covered in the case of damage, theft or loss.

Our online quote tool learns about your business and the coverages you need to protect it. Get a customized quote and buy your insurance policy today.

Start Your Quote

Why Choose BCAA

Quick and Convenient

Get a quote and buy business insurance today with our convenient online tool that only asks the important questions. After you’re all set up, make updates as needed.

Customizable Protection

Business insurance off the internet specifically catered for you with custom coverage recommendations that protect you against the particular risks faced by your business.

Solid Advice

Our online tool helps identify risks faced by businesses like yours and provides coverage recommendations. If you need more help, our expert Small Business Advisors are here for you.

Simple and Straightforward

No complicated industry jargon, just straightforward coverage for the business you’ve worked so hard to build.

Trust & Reliability

With coverage from one of BC’s top insurance providers, award-winning service, and a local 24/7 emergency claims team – you'll have the peace of mind that you’re covered.

Valuable Ways to Save

Reduce premiums through a claims-free discount. Plus, business owners can get even more savings with a personal BCAA Membership.

Small Business insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency, and is underwritten by BCAA Insurance Corporation, The Boiler Inspection, and Insurance Company of Canada, and HDI Global Specialty SE (the "Underwriters"). Claims are administered by the Underwriters ARAG Legal Solutions Inc., and their respective subcontractors.

Conditions apply to promotional offers. Promotional offers are only valid for new BCAA Small Business Insurance policies and are applied to the total premium amount

BCAA, in association with CAA, was ranked the #1 Most Trusted Insurance Brand in Canada by the 2022 Gustavson Brand Trust Index.