Your store is a reflection of your skills, talents and passions. You worked hard to make it a reality. The right business insurance matters. Let us help you protect it. 


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Your Risks, Our Solutions

Coverage for property losses

For things like broken windows caused by vandalism, fire damage to your inventory and more.

Income loss coverage

To replace income when your store is shut down from an event like a fire.

Coverage to rent an alternate space

To rent an alternate space for up to 12 months if something like a burst water pipe were to shut down your store.

Your Risks, Our Solutions

Liability coverage

If you become legally liable for injuries suffered by a customer after something like a slip-and-fall accident at your store.

Stolen merchandise coverage

So you’re reimbursed for money still owed for merchandise that’s been delivered to your customer and is stolen after you deliver it. (Available for purchase as a separate endorsement.)

Products liability coverage

To pay for legal defense fees if a customer names you in a lawsuit after being injured by a product they bought from your store.

Your Risks, Our Solutions

Peak season coverage

To replace your inventory during peak seasons when there’s more of it in stock.

Contingent business coverage

In case a key supplier sustains damage from a covered peril and is unable to supply the inventory you need for your store.

Brand name merchandise coverage

So you can be reimbursed for brand name merchandise at an agreed-upon value if something like smoke damage were to ruin your merchandise. (Available for purchase as a separate endorsement.)

Even More Coverage

You’ll be glad to know that your store insurance goes the extra mile with these extra coverages.

Valuable papers

To restore or replace important financial documents, deeds and more.

Accounts receivable

To reproduce or replace accounts receivable records on your premises after a loss.

Data breaches

To notify and assist your affected customers and to provide your business with crisis resolution services. (Available for purchase on select policies.)

Sewer and drain backup

To cover a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump. (Available for purchase on select policies.)

Employee dishonesty and theft

To protect you against a situation that is hard to detect and often goes on for years.

Electronic data coverage

To protect you if a computer virus corrupts your computer system.

Great service is part of the package.

Risk Control

You have access to risk control tools and services to help you identify and reduce common business risks.

Specialized Services

You have support from claims and customer service teams that have special training in serving businesses like yours.

Your Local ERIE Agent

Your independent ERIE agent is there for you from quote time to claim time to every time in between.


 If you have to file a claim, you can rest easy knowing that ERIE stands behind its promise of service.  With ERIE, you have claims service that’s: 



ERIE has claims offices throughout its territory, so help is always close by.

Quick to respond

Reimbursement for smaller claims can happen in as little as 48 hours.

What ERIE Customers Have to Say
The best recommendation is a satisfied customer.

Here’s what one business owner had to say about working with ERIE. 

ERIE’s Coverage Strikes the Right Note for Music Man

Sight and Sound Music Center Muncie , IN 10 employees

Sight and Sound Music Center

Jason Struble has come a long way from leading wedding guests in the “chicken dance” and “The Electric Slide.” Now this former disc jockey has a full-service music business called Sight and Sound Music Center in Muncie. The business sells and rents musical instruments, offers lessons, handles lighting and sound service needs, and has a growing presence online.

“It was 1998 when we decided to start doing this new thing called e-commerce,” Jason said. “Now most of our sales are online.”

Jason’s willingness to experiment and evolve has been a big reason for his success.

“It’s no secret independent retailers are facing challenges,” he said. “You have to grow to survive.”

He has counted on his local ERIE agent to hold steady in the perpetually changing world of retail. His trust in his agent is now so strong that he also chooses ERIE to insure his family’s home and cars, and provide him with a quality life insurance policy.

“I want someone by my side who will treat me right,” he said. “That’s why I choose ERIE.”

Interested in working with someone like that? Then contact a local ERIE agent in your community today.


Retail Insurance Quote

Does your store have the right level of protection? If not, let’s talk.

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