Commercial Retail Insurance in Calgary, Alberta

Property & Inventory Protection

A retail shop depends on its space and stock to stay open. Safeguard your building, equipment, signage, and stock from damage caused by fire, flood, vandalism, or theft.

With retail insurance small businesses, owners can recover losses faster and keep sales moving.

Liability Coverage: Protecting Your Business from the Unexpected

Even in the most well-managed retail environments, accidents can happen. A customer might slip on a wet floor, a product could cause an allergic reaction, or a delivery mishap might result in property damage. These incidents can lead to costly legal claims — and without proper coverage, your business could be left footing the bill.

MMI’s Liability Coverage Helps You Stay Protected Against:

• Customer Injuries: If someone is hurt on your premises, we cover medical expenses, legal fees, and potential settlements.
• Product Liability: If a product you sell causes harm or damage, we help manage the legal and financial consequences.
• Third-Party Property Damage: Coverage for accidental damage to someone else’s property caused by your business operations.
• Legal Defence Costs: From lawyer fees to court costs, we ensure you’re not alone in navigating legal challenges.

Why It Matters for Retailers:

• Retail stores see high foot traffic — increasing the chance of slip-and-fall incidents.
• Selling physical products means exposure to product-related claims.
• Even minor accidents can lead to lawsuits, which are expensive and time-consuming.

Real-World Example:

Imagine a customer trips over a display stand and suffers an injury. Without liability insurance, you could be responsible for thousands in medical bills and legal fees. With MMI’s coverage, those costs are handled — allowing you to focus on your business, not the courtroom.

Peace of Mind, Built In

Our liability coverage is designed to give retail owners confidence. Whether you run a small boutique or a multi-location store, you’ll have the protection you need to handle unexpected events with professionalism and financial security.

Business Interruption & Income Loss

Retail businesses rely on daily operations to generate income — but what happens when a fire, flood, or other disaster forces you to close your doors temporarily? Even a short disruption can lead to lost revenue, missed payroll, and strained relationships with suppliers and customers.

MMI’s Business Interruption Insurance helps you stay financially stable during unexpected closures.

What’s Covered:

• Lost Income: Replaces revenue lost during the downtime so you can maintain cash flow.
• Payroll Protection: Ensures your key staff continues to get paid, helping you retain your team.
• Temporary Relocation Costs: If you need to move operations to a new location, we help cover the transition.

Why It Matters for Retailers:

• Retail stores often operate on tight margins — even a few days of closure can have lasting effects.
• Maintaining payroll and supplier payments during downtime helps preserve business relationships.
• Coverage gives you time to recover without rushing into costly decisions or debt.

Real-World Example:

A burst pipe floods your store, forcing you to close for repairs. Without business interruption insurance, you’d lose income and still be responsible for rent and payroll. With MMI’s coverage, those expenses are taken care of — giving you the breathing room to rebuild and reopen with confidence