Your Business Isn’t Limited to One Insurance Option.
Coverage Built for
Your Store
PROTECT EVERY PART OF YOUR BUSINESS.
Our all-lines coverage meets the needs of your store, regardless of size.
NOT PARTNERED WITH A BROKER?
We’ll connect you with an industry expert who can help secure the right coverage.
PARTNER WITH A BROKER YOU TRUST.
Our open brokerage model lets you work with any independent insurance broker.
130 YEARS OF EXPERIENCE WORKING FOR YOU.
We help make your operations safer and handle claims quickly and fairly.
Coverage Built for
Your Store
PROTECT EVERY PART OF YOUR BUSINESS.
Our all-lines coverage meets the needs of your store, regardless of size.
NOT PARTNERED WITH A BROKER?
We’ll connect you with an industry expert who can help secure the right coverage.
PARTNER WITH A BROKER YOU TRUST.
Our open brokerage model lets you work with any independent insurance broker.
130 YEARS OF EXPERIENCE WORKING FOR YOU.
We help make your operations safer and handle claims quickly and fairly.
Why Choose PLM Over Your Chain's Provider?
PLM provides insurance for hardware stores of all sizes — from small, independently-owned businesses to home centers. Unlike general insurers, we focus exclusively on the needs of lumber, woodworking, and building materials businesses.
| Comprehensive Coverage |  |
|---|---|
| Proprietary Profits Insurance Unlike typical Actual Loss Sustained (ALS) coverage, our policies are designed for small retail businesses, allowing for protection against losses that interrupt normal business operations. Once a covered inventory loss is established, the profits markup is paid out immediately. | ✔ |
| No 72-Hour Downtime Requirement ALS coverage requires your business to be closed for at least four days following a loss. Your store can’t remain closed this long, and PLM responds immediately when operations are interrupted. | ✔ |
| Aligned With Your Store’s Operations Our policies reflect the unique needs of hardware stores, ensuring you recover quickly while continuing to serve your community. | ✔ |
Why Choose PLM Over Your Chain's Provider?
PLM provides insurance for hardware stores of all sizes — from small, independently-owned businesses to home centers. Unlike general insurers, we focus exclusively on the needs of lumber, woodworking, and building materials businesses.
| Comprehensive Coverage | |
|---|---|
| Proprietary Profits Insurance Unlike typical Actual Loss Sustained (ALS) coverage, our policies are designed for small retail businesses, allowing for protection against losses that interrupt normal business operations. Once a covered inventory loss is established, the profits markup is paid out immediately. | ✔ |
| No 72-Hour Downtime Requirement ALS coverage requires your business to be closed for at least four days following a loss. Your store can’t remain closed this long, and PLM responds immediately when operations are interrupted. | ✔ |
| Aligned With Your Store’s Operations Our policies reflect the unique needs of hardware stores, ensuring you recover quickly while continuing to serve your community. | ✔ |
Tailored Hardware Store Coverage
See how PLM can provide your store with coverage that fits any unique risk. Work with your broker or let us connect you with one who knows the industry.
Tailored Hardware Store Coverage
See how PLM can provide your store with coverage that fits any unique risk. Work with your broker or let us connect you with one who knows the industry.
