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Oracle RMS Insurance

Retail & Ecommerce Insurance

Industry Insurance — Oracle RMS Insurance

Retail & Ecommerce Insurance

Insurance for brick-and-mortar retailers and online stores — covering your products, premises, and customers.

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Retail businesses — whether operating a physical store, an online shop, or both — face a broad range of insurance exposures. Product liability, slip-and-fall claims, inventory theft, cyber breaches, and business interruption are all real risks for retailers. Oracle RMS works with retailers of all sizes to build insurance programs that protect their business from the ground up.

Who needs this coverage?

Brick-and-mortar retailers, ecommerce businesses, boutiques, specialty stores, grocery stores, pharmacies, and any business that sells physical products to consumers — online or in person.

Key coverages

  • Commercial general liability
  • Product liability
  • Commercial property (building and inventory)
  • Business interruption
  • Cyber liability (ecommerce / POS)
  • Crime and employee dishonesty
  • Commercial auto (delivery)
  • Umbrella / excess liability

Frequently Asked Questions

What insurance does a retail store need?
Retailers typically need commercial general liability, commercial property (for the building and inventory), product liability, and business interruption coverage. Ecommerce businesses also need cyber liability to protect against data breaches and payment card fraud.
Does my CGL policy cover product liability?
Yes — standard CGL policies include products and completed operations liability, which covers claims arising from products you sell. However, retailers that import products or sell high-risk items may need higher limits or a standalone product liability policy.
What cyber risks do retailers face?
Retailers that process credit card payments are targets for point-of-sale (POS) system breaches and ecommerce fraud. A data breach can result in significant costs for forensic investigation, card replacement, regulatory fines, and customer claims.
Is business interruption important for retailers?
Yes. Retailers depend on their physical location or online platform to generate revenue. A fire, flood, or other covered loss that forces a temporary closure can result in significant lost income. Business interruption insurance replaces that income during the period of restoration.
Do I need insurance if I only sell online?
Yes. Ecommerce businesses face product liability, cyber liability, and business interruption exposures even without a physical storefront. If you store inventory, you also need commercial property coverage for your stock.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.