Your inventory, your storefront, your customers.
Coverage for boutiques, specialty shops, galleries and stores, from a single storefront to a few locations.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Most of it fits in one package
A business owner's policy covers most shops: inventory and fixtures, customer slip-and-falls, products you sell, and the income you lose if a fire or water leak closes the store. Seasonal inventory peaks, theft and valuable stock may need to be addressed separately.
Landlords and shopping centers usually set insurance requirements in the lease. I place retail coverage based on what you sell, your inventory values and the space.
- Inventory and fixturesStock, displays and improvements.
- General and product liabilityCustomer injuries and claims from products you sell.
- Business incomeLost income while the store is closed after a covered loss.
- CrimeEmployee theft and some forms of fraud, when added.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Products: what you sell, and any you make or import.
- Inventory: typical and peak values.
- Location: square footage, lease and improvements.
- Revenue and staff: sales, payroll and employees.
- Security: alarm, cameras and locks.
- History: current policies and claims.
Retail store insurance, answered
What is a business owner's policy?
A package that combines property, general liability and business income for smaller businesses, often at a lower cost than buying them separately.
Are products I sell covered?
Product liability is usually included for products you sell. Products you manufacture or import may need more review.
Is shoplifting covered?
Theft coverage varies, and routine shoplifting is often excluded. Break-ins and employee theft can be covered.
What do underwriters rate on?
What you sell, inventory values, location, security and claims history.
Do you offer retail store insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your store. I'll shop it.
What you sell and your inventory values are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.