Insurance for Retail Stores



As a retailer you face many ups and downs, great sales days and other days make you worry how things are going. Maintaining stability during these peaks and valleys can be challenging.

Whether your business is large or small, you all face many of the same decisions about how to protect yourself, your customers and your employees.

Our first priority is helping you take care of yourself, your business, your employees, your community and your family.  We know the challenges of small businesses - after all, we're a small business too. We want to learn more about your personal situation, identify your goals and challenges, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

The basics of insurance for retail stores - 

When you have a storefront, you have many considerations. The good thing about retail from an insurance standpoint is the cast is fairly low compared to many other businesses. Of course the cost depends of the size of your business and your annual revenue, and monthly premium payments are generally available. 

Most retail stores choose a Business Owners Policy (BOP), which acts much like a homeowner policy - many coverages combined into one neat package. Workers' Compensation and Commercial Auto are  separate policies. A BOP policy can include - 

  • Business Personal Property, to include inventory, tenant improvements, furniture and fixtures, equipment
  • Loss of Income, to replace income lost in the event of an insured event, such as vehicle damage or fire
  • Employee Dishonesty
  • Money & Securities (your cash both on and off premises)
  • Glass and Sign
  • General Liability
  • Medical Payments, a "no-fault" coverage for customers, delivery people hurt even through their own clumsiness
  • Non-owned and Hired Vehicle Liability
  • Cyber Liability, Data Breach

Many optional lines of protection are available to supplement this basic coverage, such as Cyber and Employment Practices Liability. 

Who needs insurance for retail stores - 

Large or small, owned or leased premises - you all need insurance to protect your investment. Some of the specialized programs our providers offer - 

  • Nurseries and garden stores
  • Gas stations and convenience stores
  • Building material dealers and hardware stores
  • Grocery stores


If your store takes credit cards, you could have a data security loss.

Learn more

Workers' Comp

20+ providers to offer low cost options, flexible payment plans

Learn More

Commercial Auto

Do you deliver? You'll want a Commercial Auto policy

Learn more

Why we're different - 

You may think you want the cheapest insurance you can find, but low cost isn't everything. After all, it's said there's no such thing as a free lunch.

While many insurance products are similar in price and function, insurance agents and providers are very different when it comes to structuring a policy to cover you. Your business is unique. Why would you want a one-size-fits-all insurance policy. Many of our insurance carriers offer SPECIALIZED PRODUCTS WITH UNIQUE COVERAGES for various types of businesses.

We’re your neighbors. We protect businesses and people we know and care about. And businesses and people YOU know and care about. And that means we look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive.

Contact us, and let us at Elk Grove's LOCAL Insurance121 Insurance Solutions help you protect THE BUSINESS YOU'VE PUT YOUR SLEEPLESS NIGHTS, YOUR MONEY, YOUR EVERYTHING, INTO BUILDING for yourself, your employees, your community and your family. We'll help you make wise choices to protect what you value most.

Where we work - 

At Insurance121 Insurance Solutions, we work to protect those of you with a retail business in Elk Grove, Galt, and surrounding areas - to include Wilton, Sloughhouse, Rancho Murieta, Acampo, Walnut Grove, Hood, Sacramento, Lodi, Stockton - and throughout California. In Elk Grove, we are members of Elk Grove Chamber of Commerce, Rotary Club of Laguna Sunrise, Rotary Club of Elk Grove and BNI (Business Networking International) Elk Grove Harvesters Chapter.

We're located in Elk Grove, CA and are licensed in California (DOI# 0K01870).

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