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Retail Insurance in California
Coverage for storefronts, shops, and grocery stores.
✓ Inventory protection
✓ Business income protection
✓ Grocery stores & supermarkets welcome
Get a retail quote
Tell us about your store. A licensed advisor will follow up.
No obligation. We’ll only use your information to prepare your quote.
Businesses we insure
What retail owners ask us for
Property & Inventory
Your building or tenant improvements, fixtures, shelving, signage, and the stock on your shelves.
General Liability
Covers customer injuries like slips and falls in the aisles, parking lot, or entrance.
Product Liability
Covers claims that a product you sold caused an injury or damage.
Workers' Compensation
Lifting, stocking shelves, and ladders lead to strains and falls. Covers your cashiers, stockers, and managers. Pay-as-you-go options available.
Crime & Employee Theft
Coverage for robbery, burglary, and theft by employees, including cash in the register.
Cyber Liability
Card data breaches at the register or on your online store.
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When the doors have to close
Your inventory is your business.
A fire, a break-in, or water damage can empty your shelves overnight. These coverages keep the business going while you restock and reopen.
Business income
Replaces lost income and covers ongoing expenses while you're closed.
Seasonal inventory
Extra coverage for the added stock you carry during holidays and peak seasons.
Equipment breakdown
Covers HVAC, registers, and electrical systems after a mechanical or electrical failure.
Glass & signs
Storefront windows and signage damaged by accident or vandalism.
Grocery stores & supermarkets
Insurance for grocery stores and supermarkets
Grocery stores face risks most retailers don't: refrigeration that runs nonstop, perishable inventory, and steady foot traffic in every aisle. Many are open late or around the clock. We can help. We work with carriers that insure grocery stores and supermarkets in California, including stores open 24 hours.
Get a grocery store quoteFood spoilage
Pays for perishable inventory lost when refrigeration fails or the power goes out.
Refrigeration breakdown
Covers walk-in coolers, freezers, and display cases after a mechanical or electrical failure.
Slip-and-fall protection
General liability for customer injuries from wet floors, spills, and busy aisles.
Late-night & 24-hour stores
Crime, assault and battery, and workers' comp coverage for stores open late or around the clock.
Have these ready and we can move fast.
Opening a new location? Talk to us before you sign the lease.
- Annual sales, and the share from alcohol or tobacco if you sell them
- Square footage, and whether you own or lease
- Inventory value, including your peak season
- Hours of operation, and whether you're open late or 24 hours
- Number of employees and payroll
- Loss runs for the last 3–5 years, if you have them
Retail insurance FAQs
What insurance does a retail store need in California?
Workers' compensation is required if you have employees. Most leases require general liability and property coverage. A business owner's policy (BOP) often bundles both for less.
Can you insure a grocery store or supermarket?
Yes. We work with carriers that insure grocery stores and supermarkets in California, from neighborhood markets to larger stores, and we make sure coverage like food spoilage and refrigeration breakdown isn't left out.
Can you insure a grocery store that's open 24 hours?
Yes. Stores that stay open late or around the clock can be harder to place, because overnight hours can mean more risk of robbery and assaults. We know which carriers will write it and what coverage a 24-hour store needs.
Does my policy cover spoiled food after a power outage?
Not always automatically. Food spoilage coverage is often an add-on that pays for perishable inventory lost when refrigeration fails or the power goes out.
Does insurance cover shoplifting?
Usually not. Most policies exclude inventory that simply goes missing, which is how most shoplifting shows up. Crime coverage can protect you from employee theft, burglary, and robbery.
How much does retail insurance cost?
It depends on your sales, inventory value, location, hours, payroll, and claims history. A free quote is the quickest way to know.
Renewal coming up? Let's compare.
Send us your current policy and we'll check it for gaps before you renew.