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Retail & Wholesale


Retail & Wholesale Insurance Information


Retail stores and wholesale distributors of all types have similar insurance needs and a specially designed package policy referred to as a Business owners Package Policy (BOP) is used by the insurance industry to write the insurance.  All types of retail stores including clothing, book, electronics, computer, shoe, carpet, tile, variety, candy, etc are eligible to be written on a BOP. 

A BOP policy is a package of insurance that includes almost all of the insurance needed for a retail store or distributor.  A BOP always includes Property and General Liability.  Also included as a coverage option are Umbrella or Excess Liability, Money and Securities, Employee Fidelity, Hired and Non Owned Auto.

Just about all types of insurance are included in the BOP except for Workers Compensation, Commercial Autos, Professional Liability and Directors and Officers Liability.  Some companies also include Employment Practices Liability and Cyber Liability which covers the costs and liabilities associated with a computer breach.  

Porter-Brandenburg Agency has been writing insurance for retail stores and distributors for over thirty years.  In fact, the agency specializes in commercial insurance for small business owners and we proudly serve clients all over Texas including Dallas, Fort Worth, Plano, Richardson, Garland, Allen, Rockwall, Carrollton, Farmers Branch, Frisco, Irving Arlington, Grand Prairie, Cedar Hill, Desoto, Red Oak, Lewisville, Denton, Addison, Coppell, North Richland Hills, Grapevine, Colleyville, Keller Southlake and all over the DFW Metroplex.

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