You make one call. We make the rest.
Corner store, smoke shop, or boutique: your landlord wants a certificate, the wet spot by the register is where someone slips, and your inventory is worth more than your fixtures. That is the policy we build.
Tell us about your business.
What is Retail insurance?
Retail insurance covers the store you run: customer injuries on the floor, damage to your building and inventory, theft, and the income you lose if a covered event shuts you down. It is what keeps a slip, a break-in, or a fire from ending the business.
Your landlord's request is the deadline.
Leases usually need proof of insurance before you get the keys, or before renewal. Send us the requirement as written, and we send the certificate that closes it.
Customer injuries
Someone slips by the register, a visitor gets hurt in the aisle, and the medical and legal costs land on the store.
Property and inventory
Your building, fixtures, and stock, covered for fire, theft, and weather.
Business interruption
Lost income and extra costs if a covered event forces you to close temporarily.
Workers' compensation
Medical costs and lost wages when an employee gets hurt on the job.
Who needs Retail insurance?
- Corner stores and bodegas with high foot traffic and inventory on the shelves
- Boutiques and specialty shops with landlord insurance requirements
- Smoke shops and convenience stores with the coverages other agents turn down
- Online retailers with inventory in a warehouse or spare room
- Franchise operators matching the coverage the franchisor requires
One application. Every market. The right program.
Built for real stores.
We quote around how you actually sell, not a generic retail class.
Certificates for landlords, fast.
The lease should never wait on paperwork.
Straight answers.
You will know what is covered, what is not, and what that means on your floor.
Coverage that grows with the shop.
Add a second location, more inventory, or workers' comp without starting over.
Frequently asked questions
What does retail insurance cover?
Customer injuries, damage to your building and inventory, theft, business interruption if a covered event shuts you down, and workers' comp if you have employees. Optional add-ons cover products you sell.
How much does retail insurance cost?
Store type, location, inventory value, and headcount drive it. We take one application across every insurer that writes your kind of shop, so the price you see already has competition built in.
Is retail insurance required?
Landlords almost always require it before you lease or renew. Even when the law does not require it, one slip-and-fall or fire can wipe out a year of revenue.
How much coverage does my store need?
Whatever your lease asks for, and no less than what one bad day could cost you. Many leases start at $1 million in liability. We will tell you when your situation calls for more.
How fast can I get proof of insurance?
In most cases, the same day. We send the certificate straight to your landlord or whoever asked for it.
Can I add my landlord as an additional insured?
Yes. Most leases require it, and we handle the certificate and the wording.