Insurance for your retail shop or restaurant

We'll get to know your business, inside and out, to provide solutions for your unique needs.

Potential coverage gaps

We’ve been working with retail and food services business owners, just like you, for quite some time. And we’ve noticed many of them are missing important coverage, including but not limited to:

Business Income Icon
Business income coverage

Coverage for loss of net income and normal operating expenses, including payroll, while the business is down due to a covered claim.

Business Cyber Icon
Business cyber

May cover expense of data breach response, data breach liability, and legal fees.

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Business personal property

Coverage for business personal property you own, personal property of others while in your possession and computer hardware.

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Workers compensation

Coverage for employee workplace injuries and protection against any lawsuits by injured employees.

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Liquor liability

[Food services only]

Protection against damages or legal fees incurred from injury of selling, serving or furnishing alcoholic beverages.

Spoilage Icon

[Food services only]

Coverage for loss of perishable stock due to mechanical breakdown or power outage.

The COUNTRY Financial difference

Our reps are here to provide personal assistance to help:

Create a unique plan to properly protect your business now and well into the future.

Provide top-rated service1 with an in-house claims department.

Quickly meet your business needs, like if you need to secure a certificate of insurance.

Local, personalized support

Protecting your retail shop or restaurant takes careful planning together.
Find a rep today to get started.


For product and service information, read our Terms & Conditions.

Commerical policies issued by COUNTRY Mutual Insurance Company®, Bloomington, Illinois. 

Data breach services provided by CyberScout, a third-party company not affiliated with COUNTRY Financial®.

1 COUNTRY Life Insurance Company® and COUNTRY Mutual Insurance Company® are consistently rated A+ (Superior)1 by A.M. Best, an independent industry rating company. Both companies have remained in a top-rating category for almost 80 consecutive years. This Superior rating demonstrates both our financial strength and our ability to meet client obligations. For the latest rating information, visit