Protect Your Clients Retail Business

SterlingRisk Programs has managed national risk purchasing groups for over 30 years. In 2014, we created SMART-U to protect a wide range of retail stores, grocery stores, owners, merchants, and tenants.

Program Highlights

Who Can We Protect?

Broad Eligibility:

  • Retail stores — free-standing or in shopping centers
  • Shoe stores
  • Supermarkets
  • Grocery stores
  • Clothing stores
  • Jewelry stores
  • Eye / vision centers
  • Electronic stores
  • Household goods
  • Stationery stores
  • Office supply stores

Ineligible Classes:

  • Second-hand stores
  • Amusement rides
  • Auto services
  • Pharmaceuticals
  • Guns & ammo
  • Infant or medical products
  • Free standing liquor stores

Why SMART-U?

  • Limits up to $100 million. $10 million (M.P. $8000); $15 million (M.P. $8500); $25 million (M.P. $10,000); $50 million; $75 million; $100 million
  • Competitive product offering
  • Personal excess liability available for principals (minimum underlined $5 million)
  • Limits apply separately to each member of the risk purchasing group
  • Most favorable venue endorsement
  • Follow form per location aggregate
  • Provide excellence in protection — dedicated program underwriting service
  • Coverage for internet and international sales
  • Follow form auto liability, abuse, assault, non-intentional discrimination, and liquor

What Sets us Apart?

  • A.M. Best A-Rated
  • Admitted in all states
  • Dedicated underwriting SMART-U Specialists