Small retailers, shops, and service businesses need big insurance coverage.

When you own a small, customer-oriented business or shop, you have all sorts of things on your mind–employees, bills, cash flow, inventories, and much more.

Having your business fully insured for property and liability claims may not be top of mind for you. After all, you get an insurance bill once a year and, if you have no claims, you can forget all about it for another 12 months. But for a hands-on retail shop or service owner like yourself, Markel Specialty’s insurance coverage offers you the kind of protection you need.

Our workers compensation policy can help protect your business from the costs of an on the job accident including lost wages and benefits, medical care, and legal representation. Our businessowners policy, EssentialBOP, is customizable for your customer service-based business–covering commercial general liability, commercial property, and other areas essential to helping you protect your assets. Plus, if you combine our workers compensation and businessowners policies you will earn up to a 10% multi-policy discount.* Also, by adding Markel Specialty’s commercial umbrella liability insurance policy over eligible EssentialBOP policies can provide qualified customers additional insurance protection for the costs of covered claims and lawsuits.

To give you an idea of who can benefit from Markel Specialty’s insurance coverage, these are just a few of the shops, retailers, and service businesses that we do business with:

  • Copy stores
  • Engravers
  • Jewelry repair
  • Mailbox and packaging stores
  • Photographers
  • Shoe repair
  • Tailors

Insurance coverages for processing and service businesses

A Markel Specialty insurance plan for offices can help your operations during covered losses to quickly get back in business.

Some available coverages include:

Electronic data
Pays the cost to replace or restore electronic data that is destroyed by a covered cause of loss. Coverage may also  apply to losses caused by a computer virus and/or harmful code.

Employment practice liability (EPLI)
EPLI can help protect you from suit concerning laws around hiring and dismissal including, but not limited to, discrimination, harassment, or wrongful termination.

Business Income – extended period of Indemnity
Insurance coverage policy, which covers your company's loss of income due to a slowdown or temporary suspension of normal operations, stemming from damage to physical property.

Lessor of leased equipment

For on-the-job accidents, Markel Specialty offers separate workers compensation insurance plans.

Workers compensation can pay for costs associated with occupational illnesses and injuries including:

  • Medical expenses
  • Partial wages while the employee recovers
  • Funeral expenses if an employee dies from a work injury
  • Legal expenses if your business is sued over a work injury

By combining our workers compensation and businessowners policies you can earn up to a 10% multi-policy discount.*

Follow the link below to view all of our coverages that are available for processing and services businesses.


value added services icon
Background checks, training materials, and education available at negotiated rates.

PayGo Payroll reporting is the billing plan of choice for workers compensation policyholders.

Customizable insurance coverage for shops and service businesses.
Contact one of our appointed Markel Specialty agents to start a quote today!