{"id":17143,"date":"2026-01-07T06:30:40","date_gmt":"2026-01-07T06:30:40","guid":{"rendered":"https:\/\/www.ona.ca\/?p=17143"},"modified":"2026-03-17T11:52:10","modified_gmt":"2026-03-17T11:52:10","slug":"essential-insurance-for-retail-stores","status":"publish","type":"post","link":"https:\/\/www.ona.ca\/blog\/essential-insurance-for-retail-stores\/","title":{"rendered":"Essential Insurance for Retail Stores: The 4 Policy Must Haves"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"17143\" class=\"elementor elementor-17143\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-260ad659 e-flex e-con-boxed e-con e-parent\" data-id=\"260ad659\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e4c7132 e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"e4c7132\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Running a retail business in the Ottawa area is more than just stocking shelves and managing sales; it\u2019s about serving your neighbours and building a community presence. But whether you run a boutique in Manotick or a busy storefront in Orleans, the risks are real and the unexpected can happen.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">At Oegema, Nicholson &amp; Associates, we have supported local retail stores across Ottawa and surrounding communities since 1961. We understand that your business is your livelihood. We don\u2019t just sell policies; we act as your trusted advisor, helping you find the right coverage so you can focus on growth.<\/span><\/p><p><strong>The 4 Essential Types of Insurance for Retail Stores:<\/strong><\/p><ul class=\"unordered-list\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Commercial General Liability (CGL):<\/b><span style=\"font-weight: 400;\"> For slip-and-fall and third-party accidents.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Commercial Property Insurance:<\/b><span style=\"font-weight: 400;\"> For building, stock, and equipment protection.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Business Interruption Insurance:<\/b><span style=\"font-weight: 400;\"> For income replacement during closures resulting from covered claims..<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Product Liability Insurance:<\/b><span style=\"font-weight: 400;\"> For damages caused by goods you sell.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Here is a breakdown of the four essential insurance policies, and the critical add-ons, that every retailer needs to stay secure.<\/span><\/p><h2><b>1. Commercial General Liability (CGL): The Foundation of Protection<\/b><\/h2><p><a href=\"https:\/\/www.ona.ca\/commercial-general-liability-insurance-ottawa\/\">Commercial general liability (CGL)<\/a> is the foundation of <a href=\"https:\/\/www.ona.ca\/retail-business-insurance\/\">retail insurance<\/a><span style=\"font-weight: 400;\">, protecting your business from financial loss if a customer is injured on your premises or if you cause property damage. It covers legal defense costs and settlements, ensuring a common accident like a slip-and-fall doesn&#8217;t force you to close your doors.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">For any retailer, foot traffic is the lifeblood of the business, but it is also a primary liability exposure. CGL is your first line of defence. If a customer trips over a display or slips on a wet floor during an Ottawa winter, you could be held liable for their medical bills and legal fees.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Beyond physical incidents, CGL also extends to \u201cadvertising injury,\u201d protecting your business if you are accused of slander, libel, or copyright infringement in your marketing or social media. As retailers rely more on digital advertising, this protection has become increasingly important.<\/span><\/p><p>\u00a0<\/p><p><i><span style=\"font-weight: 400;\">Note: CGL does not cover damage to your own property or employee injuries. It is the shield for your liability, not your assets.<\/span><\/i><\/p><h2><b>2. Commercial Property Insurance: Protecting Physical Assets<\/b><\/h2><p><span style=\"font-weight: 400;\">Why do retail stores need property coverage? <\/span><a href=\"https:\/\/www.ona.ca\/small-business-insurance\/\">Commercial property insurance <\/a><span style=\"font-weight: 400;\">safeguards your physical assets, building, inventory, equipment, and furniture, from perils like fire, theft, and vandalism. Whether you own your historic building in Almonte or lease a unit in a Russell plaza, this policy ensures you can repair or replace items quickly.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">For retailers with seasonal or fluctuating inventory levels, it\u2019s important that coverage keeps pace so you\u2019re not underinsured during peak sales periods. Having the right valuation is critical.\u00a0<\/span><span style=\"font-weight: 400;\"> Replacement cost coverage ensures you can replace inventory and equipment at today\u2019s prices, rather than receiving a depreciated payout.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">We shop the market for you, checking with providers like to find a policy that accurately reflects the value of your inventory. If a fire strikes or a pipe bursts, you aren&#8217;t left paying out of pocket to restock your shelves.<\/span><\/p><h2><b>3. Business Interruption Insurance: Income Security<\/b><\/h2><p><a href=\"https:\/\/www.ona.ca\/business-interruption-insurance-ottawa\/\">Business interruption insurance<\/a><span style=\"font-weight: 400;\"> replaces lost net income and pays for continuing expenses like rent and payroll if your retail store is forced to close due to a covered peril, such as a fire or severe storm. It keeps your business afloat during the recovery period, ensuring temporary closures don&#8217;t become permanent.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Imagine an ice storm knocks out power to your neighbourhood for a week, or a flood damages your floor, forcing you to close for repairs. While your doors are shut, your revenue stops, but your bills do not.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Business interruption coverage can be complex. It may include additional protections like &#8220;contingent business interruption&#8221; for supplier disruptions. As a family-owned brokerage spanning three generations, ONA guides you through these details. We ensure you have the funds to pay staff and rent while you rebuild, offering true peace of mind.<\/span><\/p><h2><b>4. Product Liability Insurance: Coverage for Goods Sold<\/b><\/h2><p><a href=\"https:\/\/www.ona.ca\/professional-liability-insurance\/\">Product liability insurance<\/a><span style=\"font-weight: 400;\"> protects retailers against claims of bodily injury or property damage caused by a product you sold. Even if you didn&#8217;t manufacture the item yourself, you can still be held liable for selling defective, dangerous, or contaminated goods to your customers.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Many retailers assume that only manufacturers need this coverage. However, if a product you sell causes harm, like a toy that breaks and injures a child or a food item that causes illness, you can be named in the lawsuit. This is especially critical for businesses that import goods or sell unbranded items.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15dd4a5 e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"15dd4a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><b>Quick Retail Insurance Coverage Comparison<\/b><\/h3><div class=\"resp-table\"><table style=\"border: 1px solid black; border-collapse: collapse;\"><tbody><tr><td style=\"background: #e8792a; color: #fff; text-align: center;\"><b>Coverage Type<\/b><\/td><td style=\"background: #e8792a; color: #fff; text-align: center;\"><b>What It Covers<\/b><\/td><td style=\"background: #e8792a; color: #fff; text-align: center;\"><b>Who Needs It?<\/b><\/td><\/tr><tr><td><b>General Liability<\/b><\/td><td><span style=\"font-weight: 400;\">Covers bodily injury, property damage, &amp; legal fees.<\/span><\/td><td><span style=\"font-weight: 400;\">Every retail store.<\/span><\/td><\/tr><tr><td><b>Commercial Property<\/b><\/td><td><span style=\"font-weight: 400;\">Replaces building, inventory, &amp; equipment (fire\/theft).<\/span><\/td><td><span style=\"font-weight: 400;\">Stores with physical assets.<\/span><\/td><\/tr><tr><td><b>Business Interruption<\/b><\/td><td><span style=\"font-weight: 400;\">Pays lost income, payroll, &amp; rent during repairs.<\/span><\/td><td><span style=\"font-weight: 400;\">Businesses that can&#8217;t afford downtime.<\/span><\/td><\/tr><tr><td><b>Product Liability<\/b><\/td><td><span style=\"font-weight: 400;\">Covers injury\/damage caused by products sold.<\/span><\/td><td><span style=\"font-weight: 400;\">Retailers selling physical goods.<\/span><\/td><\/tr><\/tbody><\/table><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb1f184 e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"cb1f184\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Going Beyond the Basics: Additional Retail Coverages<\/b><\/h2>\n<span style=\"font-weight: 400;\">While the four policies above form the core of your protection, modern retail businesses often require additional layers of security. From digital threats to delivery risks, the table below outlines other coverage types that support specific retail operations.<\/span>\n<h3><b>Essential Add-Ons for Retail Businesses<\/b><\/h3>\n<div class=\"resp-table\">\n<table style=\"border: 1px solid black; border-collapse: collapse;\">\n<tbody>\n<tr>\n<td style=\"background: #e8792a; color: #fff; text-align: center;\"><b>Insurance Type<\/b><\/td>\n<td style=\"background: #e8792a; color: #fff; text-align: center;\"><b>Description<\/b><\/td>\n<td style=\"background: #e8792a; color: #fff; text-align: center;\"><b>How It Supports Retail Stores<\/b><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.ona.ca\/cyber-security-insurance\/\"><b>Cyber Liability<\/b><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Covers costs associated with data breaches, hacking, and ransomware attacks.<\/span><\/td>\n<td><b>Protects Customer Data:<\/b><span style=\"font-weight: 400;\"> Essential if you store credit card info or customer emails. It covers notification costs and legal fees if your system is hacked.<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.ona.ca\/auto-fleet-and-garage-insurance\/\"><b>Commercial Auto<\/b><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Covers vehicles owned by the business for liability and physical damage.<\/span><\/td>\n<td><b>Protects Deliveries:<\/b><span style=\"font-weight: 400;\"> Personal auto policies often exclude business use. This ensures your delivery vans or service vehicles are legally covered.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Crime Coverage<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Protects against employee dishonesty, forgery, and theft of money\/securities.<\/span><\/td>\n<td><b>Protects Cash Flow:<\/b><span style=\"font-weight: 400;\"> Retailers handling cash or high-value stock are at risk of internal theft or fraud. This covers losses that property insurance excludes.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Equipment Breakdown<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Covers repair or replacement of mechanical or electrical systems (e.g., HVAC, freezers).<\/span><\/td>\n<td><b>Prevents Spoilage:<\/b><span style=\"font-weight: 400;\"> If a freezer fails, you lose stock. If AC dies in July, you lose customers. This covers the equipment repair and often the spoiled goods.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22241b2 e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"22241b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Frequently Asked Questions (FAQ)<\/b><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70cba8c elementor-widget elementor-widget-n-accordion\" data-id=\"70cba8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1180\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1180\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much does retail insurance cost in Ottawa? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1180\" class=\"elementor-element elementor-element-513f760 e-con-full e-flex e-con e-child\" data-id=\"513f760\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9a7e52 e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"b9a7e52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The cost of retail insurance varies based on your location, annual revenue, inventory value, and claims history. At ONA, we shop multiple providers to find you a competitive rate that balances comprehensive coverage with affordability, ensuring you get the best value.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1181\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1181\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I need insurance if I only run an online store? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1181\" class=\"elementor-element elementor-element-8f35046 e-con-full e-flex e-con e-child\" data-id=\"8f35046\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82b39a6 e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"82b39a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes, online retailers still face significant risks, including product liability for the goods you ship and cyber liability for the customer data you store. Commercial property insurance is also needed to protect your inventory, even if it is stored in a home office or warehouse.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1182\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1182\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does business insurance cover employee theft? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1182\" class=\"elementor-element elementor-element-e31e937 e-con-full e-flex e-con e-child\" data-id=\"e31e937\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e57d17a e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"e57d17a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Standard property policies may not cover employee dishonesty. However, you can add crime coverage to your commercial package, which protects against employee theft, fraud, and forgery. We review your specific risks to ensure you have the right internal protection in place.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">At <\/span><a href=\"https:\/\/www.ona.ca\/\">Oegema, Nicholson &amp; Associates<\/a><span style=\"font-weight: 400;\">, we work for you, not the insurance companies. We are 100% independent, which means our loyalty lies in finding you the best fit for your unique retail business. Whether you are setting up a new shop or reviewing your renewal, our team of dedicated local brokers is here to advocate for you.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5521438 e-flex e-con-boxed e-con e-parent\" data-id=\"5521438\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af906ac e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"af906ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Don&#8217;t leave your hard work to chance.<\/span><\/p><ul class=\"unordered-list\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Request <a href=\"#footerForm\">a Free Quote<\/a><\/b><\/li><li aria-level=\"1\"><a href=\"https:\/\/www.ona.ca\/contact-us\/\"><b>Contact your local broker today<\/b><\/a><span style=\"font-weight: 400;\">, or, visit us in Ottawa, Manotick, Almonte, Russell, or Orleans.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Running a retail store in Ottawa? Discover the 4 essential insurance policies for retail stores to keep you and your business protected. Get real advice from ONA brokers today.<\/p>\n","protected":false},"author":4,"featured_media":17167,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-17143","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-advice"],"_links":{"self":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/17143","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/comments?post=17143"}],"version-history":[{"count":76,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/17143\/revisions"}],"predecessor-version":[{"id":17586,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/17143\/revisions\/17586"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media\/17167"}],"wp:attachment":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media?parent=17143"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/categories?post=17143"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/tags?post=17143"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}