Bundle Retail Insurance for Comprehensive Protection
Combine property, liability, business interruption, and product coverage for seamless protection and cost savings.
- Discounts for multi-line policies
- One renewal, one agency, local support
- Flexible plans for single stores or multi-location retailers
FLORIDA RETAIL INSURANCE
Frequently Asked Questions
Is retail insurance required by law in Florida?
Retailers in Florida are generally not legally required to carry property or liability insurance, but landlords, lenders, or business partners often require it. Having strong insurance protects your shop from financial losses and helps you meet legal or contractual obligations.
What does retail liability insurance cover?
General liability insurance covers you if a customer is injured on your premises (like slip-and-fall accidents), if property is damaged, or if your business faces claims related to products you sell.
Can I insure my inventory and displays?
Yes, business property coverage protects your inventory, fixtures, signs, displays, computers, and other business equipment from risks like theft, fire, and storms.
Does retail insurance cover theft and vandalism?
Most retail insurance policies in Florida include coverage for burglary, break-ins, shoplifting, and vandalism. Your policy can be tailored to the specific risks in your area.
How can I save on retail insurance in Florida?
Bundling property, liability, and business interruption coverage often saves money. Our team can help you compare policies from multiple top-rated carriers to find the best rates for your store.
Are employees covered under retail insurance?
General liability covers claims involving third parties (like customers). To cover employee injuries, you’ll need workers’ compensation insurance, which we also offer for Florida businesses.
What happens if my store has to close due to damage?
Business interruption coverage can help replace lost income, pay ongoing expenses, and support your recovery while repairs are made after a covered event.
