Coverage for retail that's actuallyclearright-sizedyoursfairclear
Storefronts, boutiques, and specialty retail usually start with one tidy package and add from there. We read your lease, size the property limits, and shop 20+ carriers.
What retail shops carry.
The lines most storefronts need, and where a package fits.
| Coverage | What it covers | Good to know |
|---|---|---|
| Business owners policy | General liability and property, bundled | Usually the cleanest start for retail |
| Commercial property | Build-out, fixtures, and inventory | Insure inventory to its real seasonal peak |
| General liability | Customer slips and product issues | The base your lease will require |
| Business income | Lost revenue if you have to close | Sized to a realistic reopening timeline |
| Crime and theft | Employee theft and stolen cash | Sublimits are often lower than expected |
| Workers' compensation | Injury to store staff | Required once you have employees |
A BOP usually does most of the work for retail. We confirm you qualify and add what it leaves out.
Opening a shop? Send us your lease and we will size the package, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Retail coverage, answered.
The questions shop owners ask first.
For many small retailers, a business owners policy bundling general liability and property is the right start, often at a better combined rate. We confirm you qualify and add lines like workers' comp or cyber where they fit.
Enough to cover your real peak, not your average. Seasonal retailers can be badly underinsured at the holidays on an average-based limit. We size it to your high point.
Only with crime coverage, and the sublimits are often lower than owners expect. We set the limit to your real exposure rather than a token amount.
Most quotes are back within 48 business hours once we have your details. We reply to any question within 2 business hours.
Ready when you are