Retail Stores

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Ineligible Classes/Operations

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Pathpoint enables insurance agents to combine general liability and property coverages, offering competitive packages tailored for everyday main street retail stores.

• 10026 Antique Stores

• 10204 Books and Magazines Stores – Other than Not-For-Profit

• 10309 Camera and Photographic Equipment Stores

• 10352 Candy or Confectionery Stores

• 11127 Clothing or Wearing Apparel Stores – Other than Not-For-Profit

• 11155 Collectibles and Memorabilia Stores

• 11234 Cosmetic, Hair or Skin Preparation Stores

• 12510 Fabric Stores

• 12805 Floor Covering Stores

• 13351 Furniture Stores – Other than Not-For-Profit

• 13506 Gift Shops and Souvenir Shops – Other than Not-For-Profit

• 13716 Hardware Stores

• 13720 Health Food Stores

• 14101 Hobby, Craft or Artists' Supply Stores

• 14279 Home Improvement Stores

• 14731 Laundries and Dry Cleaners – Self-Service

• 14733 Laundry and Dry Cleaning Stores

• 15538 Musical Instrument Stores

• 15991 Paint, Wallpaper or Wallcovering Stores

• 15993 Painting, Picture or Frame Stores

• 16403 Pet Stores

• 18110 Shoe Stores

• 18335 Stationery or Paper Products Stores

Primary sales come from the following merchandise:

• Automobiles or trucks

• Amusement, Animal, Carnival, or Mechanical rides of any type

• ATV/UTV, Golf carts, Jet skis, Motorized or power-driven bicycles, mopeds, motorcycles, Recreational scooters, Self-balancing skateboards or scooters ("hoverboards"), Personal Mobility Devices (single or multi-wheel) e.g., Segways®)

• Baby equipment, including cribs, playpens, highchairs, strollers, baby joggers, and similar equipment or furniture.

• Beach chairs and umbrellas

• Bicycles

• Bleachers

• Bubble & Foam Machines

• Campers or travel trailers and Trailers for road use

• Camping tents Cryotherapy chambers

• Diving equipment, equipment intended for use by infants or children aged 5 years or less, including but not limited to baby furniture, car seats, cribs, highchairs, strollers, or toys

• Firearms or weapons

• Fireworks and/or Pyrotechnics

• Hyperbaric or pressure chambers (i.e., CVAC pods), Ozone Therapy Chambers or combined Ozone/Sauna Therapy Chambers

• Inflatables of any type

• Material or personnel platforms

• Medical Equipment of any type

• Mining equipment

• Rent-to-own furniture

• Rigging equipment

• Road use equipment

• Rock climbing structures

• Scaffolding or ladders

• Snowmobiles Stages Trailers (Refer to SUBMIT exceptions above)

• Surfboards, body boards, skim boards

• Theatrical lighting or equipment

• Thrift or pawn shops

• Traffic barricade or barrier rental or erection

• Unmanned aerial vehicles and/or drones

• General liability up to $1M/$2M

• Property limits up to $3.3M TIV per location/$5.6M per policy

• Property up to $10M TIV in AL, GA, FL, LA, MS, SC, and TX

• Products-completed operations included up to $2M

• Gross sales up to $5M

• Premiums start as low as:

  • $250 for monoline property (contents only)

  • $495 general liability

  • $845 package

• Business Personal Property up to $250k per building

• Business Interruption with Property Coverage

• Additional Insured coverage

• Equipment Breakdown

• Theft coverage up to $20k available (requires central station alarm)

Appetite Guide

Writing Retail Stores

Customizable Flyers for Agents

• Download and utilize as provided or personalize it with your agency details and logo using any graphic design software, PDF editor, or Word document. Just fill in your information in the designated blue boxes

  • Retail Stores Postcard for Agents

  • Retail Stores Postcard for Agents (Southern States)

  • Clothing & Shoe Store Flyer

  • Cosmetic Store Flyer

  • Gift Shop Flyer

  • Hardware Store Flyer

  • Laundromat & Dry-Cleaning Flyer

Why are there multiple options under Retail & Services?

How do I quote business with Pathpoint?

Can I mix and match coverages from different carriers?