Customers slip, inventory gets stolen and storefronts get damaged. A business owners policy (BOP) bundles the core coverage most stores need at a lower price than buying it separately.
Start a shops, boutiques & convenience stores quote or call 888-391-5981.
Common risks
- Customer slip-and-fall injuries
- Theft, vandalism or a break-in
- Fire or water damage to inventory
- Injuries caused by products you sell
- Employee injuries
Coverage most shops businesses need
| Coverage | Why it matters |
|---|---|
| Business owners policy (BOP) | General liability, property and business income in one package. |
| General liability | Customer injuries and damage you cause. |
| Commercial property | Inventory, fixtures and equipment. |
| Workers compensation | Required once you have employees. |
| Product liability | Claims from products you sell or private-label. |
California requirements
Landlords usually require general liability with them named as additional insured. We send certificates straight to your property manager.
Why business owners work with Pierce
- We’re an independent agency, so we compare multiple carriers instead of selling just one.
- A licensed agent handles your account from quote to renewal.
- Certificates of insurance, additional insureds and policy changes are handled fast. Request a COI.
- Local offices in San Dimas and Monrovia.
Related: Contractors · Trucking · HVAC · Plumbers · Electricians
See also: Product liability for brands
Frequently asked questions
Do I need insurance if I lease my store?
Almost always. Your lease will likely require general liability, and the landlord’s policy won’t cover your inventory or equipment.