Small Business Insurance

RETAIL BUSINESS COVERAGE SPECIALIST

Protecting Your Store, Your Staff, and Your bottom line

Running a small business means managing constant challenges — from property damage and theft to customer injuries and employee risks. That’s where we come in.

As your trusted insurance broker, we partner with top-rated carriers to secure the right protection at the best value. Whether you’re opening your first shop or managing multiple locations, our team helps you identify risks, tailor coverage, and stay protected as your business grows.

With comprehensive small business insurance designed around your needs, you can focus on what matters most — running your business with confidence.

Whether you Arrange, Bake, or pour- we have the right protection for you.

Our expertise spans a wide range of small business insurance products designed to protect your operations, employees, and assets.

Coffee Shops
Bakeries
Florists
Salon & Spas
Clothing Stores
Grocery Stores

Why Choose Us

With more than 25 years of experience, we deliver personalized service and trusted guidance you can depend on.

As an independent insurance broker, we work with leading national and regional carriers that understand the unique needs of retail businesses. Our team takes the time to learn about your operations, identify potential exposures, and craft coverage that helps protect your property, employees, and bottom line.

Truska Insurance | Small Business Insurance

What to Expect from us:

  • Clear, Honest Communication – Provide transparency about costs, exclusions, and claims so there are no surprises later.

  • Personalized Advice and Coverage – We recommend coverage that truly fits their needs and budget.

  • Claim Support You Can Count On – We help navigate the claim process, ensuring fair treatment and easing stress during a difficult time.

25+

Years of experience & counting.

COVERAGE SNAPSHOT

COVERAGE SNAPSHOT

Products Designed to Perform

Every small business is unique, and so are the risks you face. Our expertise spans a wide range of small business insurance products designed to protect your operations, employees, and assets. We work with leading carriers to deliver coverage tailored to your industry, budget, and growth plans.

Our small business insurance product expertise includes:

  • Property Policy – Protects office buildings, furniture, equipment, and other physical assets from fire, theft, or other covered perils.

  • General Liability – Provides protection from third-party bodily injury, property damage, or personal injury claims (e.g., slip-and-fall incidents).

  • Cyber Liability – Risk of financial loss from a cyber incident—like a data breach or attack—resulting in legal claims, fines, or business interruption costs.

  • Fidelity/Crime – Protects against employee theft, fraud, forgery, or embezzlement of company or client funds.

  • Commercial Auto – Covers vehicles used for business purposes, including liability and physical damage.

  • Workers’ Compensation – a system that provides financial and medical benefits to employees who are injured or become ill as a result of their work

  • Umbrella Liability – provides an additional layer of protection beyond the limits of your general & automobile liability policies.

  • Errors & Omissions – protects businesses from claims of financial loss resulting from mistakes, negligence, or failure to perform in the professional services they provide.

  • Director & Officers Liability – Protects company executives and board members from claims alleging wrongful acts, mismanagement, or breach of fiduciary duty.

Claim Scenarios

Customer Slips & Falls

A customer slips on a wet floor and suffers an injury. They file a claim for medical expenses and lost wages.

Coverage: General Liability Insurance helps pay for legal defense, medical costs, and potential settlements.

Business Interruption

A severe storm forces the store to close for a week.

Coverage: Business Income Insurance helps replace lost revenue and ongoing expenses until operations resume, including the payroll of key employees.

Theft or Vandalism

During the night, the store is broken into, and merchandise and cash are stolen.

Coverage: Business Property Insurance covers stolen items, repairs, and replacements for damaged locks or windows.

5.0

Trusted by Millions of customers

Leave a review

Quotes White

Rob is such a great person who has fully gained my trust. I appreciate all of his experience and knowledge. I know when I talk to him about what I need, he is always looking out for me and, most importantly, he is honest with me. I can’t tell you how much I’ve come to value honest and trustworthy professionals who are exceptional at what they do. Truska Insurance is definitely one of those places and I recommend his services to everyone I know.

K. Sparks

Allianz
The Hanover Insurance Group
The Hartford
Liberty Mutual
National General
Nationwide
Openly
Safeco Insurance
Travelers
Vault
AIG

Getting Insurance Has Never Been Easier

We make getting the right coverage simple and easy. With a few easy steps, you’ll have personalized protection at a great rate—it’s really that easy.

Consultation & Risk Review

We start with a conversation to understand your business, assets, and potential exposures. This helps us identify the right types and levels of coverage for your unique needs.

Market Analysis & Quote Comparison

We leverage our relationships with multiple insurance carriers to find competitive options. You’ll receive clear, side-by-side comparisons so you can make an informed decision with confidence.

Coverage Placement & Support

Once you select a policy, we handle the paperwork and implementation—making sure your coverage starts smoothly. After that, we continue to support you with policy updates, certificates, and claims assistance.

But it doesn’t stop there…

We build long-term partnerships-building lasting relationships, adapting to your changing needs, and ensuring continued protection today and tomorrow.

news & insights

Expert advice and industry trends to keep you informed and empowered to make confident decisions about protecting what matters most.