Retail Insurance for Shops & Storefronts in FL & GA

Whether you're running a boutique in Boca Raton or a hardware store in Macon, we help retail business owners in Florida & Georgia find insurance that protects their space, inventory & daily operations.

What’s Typically Covered

Retail business insurance packages may include:



  • General liability for customer injuries or property damage
  • Business personal property - including shelves, registers & equipment
  • Inventory protection from fire, theft, or storm damage
  • Business interruption coverage if you can't open due to a covered loss
  • Property coverage for the building (if you own it) or lease improvements

We'll help you choose the right policy type and coverage levels for your size and industry.

Add-Ons & Custom Coverage Options

A black check mark in a circle on a white background.

Employee Dishonesty

Covers losses due to internal theft or fraud

A black check mark in a circle on a white background.

Equipment Breakdown

Covers unexpected repair costs for POS systems, fridges, or freezers

A black check mark in a circle on a white background.

Cyber Liability

Helps with data breaches, online payment risks & customer information protection

A black check mark in a circle on a white background.

Product Liability

For shops that manufacture or sell goods under their own brand


We'll help you identify any gaps and avoid overpaying for things you don't need.

Retail Businesses We Insure

We work with retail businesses of all types across:


  • Boynton Beach, FL
  • Delray Beach, FL
  • Fort Lauderdale, FL
  • West Palm Beach, FL
  • Savannah, Augusta & Athens, GA
  • Convenience stores, salons, boutiques, repair shops, liquor stores & more

Whether you're opening your first location or managing multiple stores, we're here to help.

Common Questions About Retail Insurance

  • Do I need insurance if I rent my store space?

    Yes - you're usually responsible for everything inside, and landlords often require proof of liability and contents coverage.

  • Will my inventory be covered in a storm or fire?

    Yes, if you have property or contents coverage. We'll review your limits to make sure you're protected for real losses.

  • Can I get coverage for online sales?

    Yes, but it depends on volume and type. We'll ask a few questions and recommend the right coverage options.

  • Is retail insurance expensive?

    It varies based on your location, size & services. We shop multiple carriers to help keep costs manageable.

  • Can I bundle all policies into one?

    Often, yes. A Business Owners Policy (BOP) is a great fit for many retail shops and includes both liability & property protection.

Why People Choose Us for Retail Insurance

Local Expertise With Storefront Needs

We understand the challenges of running a retail business - foot traffic, liability risks, and storm exposure - and build policies that reflect that.

Flexible Options for Changing Needs

Whether you're scaling up or downsizing, we'll adapt your coverage quickly and clearly.

Real Support From Licensed Agents

We're available when you need us. No phone trees or waiting days for a response.

Let's Protect Your Shop Like It's Our Own

Running a store takes time, energy & investment. We'll help you protect all three with retail coverage that makes sense.

Start your quote today.