Retail - Primary Department- Philadelphia Insurance Companies


PHLY E&S provides comprehensive CGL and Property Coverages for small to mid-size retail exposures.


PHLY E&S will selectively entertain and tailor broad Casualty Coverage for difficult to place retail stores, shopping centers, parking lots, and related exposures.

Product Contact

Kristin Stein, VP
Product Manager

For new business inquiries, please call 855.585.6322 or submit an application:

Wholesalers: To

Retail Agents: Directly to your local Marketing Representative/Account Associate.

Regional Office List

Target Classes

  • Department stores
  • Strip Malls
  • Parking lots
  • Grocery stores
  • Pawn shops
  • Swap meets/ flea markets
  • Receipts of $10M or less

Unacceptable Classes

  • Fortune 1,000 chain stores
  • Landmark buildings
  • Grocery store chains/ supermarkets

Coverages/ Capacity

General Liability

  • Commercial General Liability - $1M each occurrence
  • Excess Capacity up to $25M subject to underwriting guidelines
  • Per location aggregates
  • Additional Insureds by written contract
  • Liquor Liability Coverage up to policy limits
  • Pharmacists Legal Liability Coverage available subject to underwriting guidelines


  • Commercial Property Coverage up to $10M per risk
  • Equipment Breakdown Including Spoilage Coverage available as optional coverage
  • Property Enhancement Endorsement available including Money & Securities, Backup of Sewers and Drains, and other additional coverages

Excess Casualty

Financial Security

  • AM Best rated A++
  • Standard & Poor's Assigned A+

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