Retail insurance is a package problem: customers in the aisle, stock in the back, a lease that demands a certificate, and sometimes delivery vans that a personal auto policy will not cover. Kavana Insurance Inc. helps California and Texas retailers compare that package — not a one-size storefront quote.
Licensed California insurance agency, License 6016951. Licensed in Texas. Roseville office: 915 Highland Point Dr Suite 250, Roseville, CA 95678.
What retailers typically carry
General liability
Customer injury and third-party property damage. Landlords almost always require it. Details: general liability.
Property and stock
Building or tenant improvements, fixtures, and inventory after covered fire, theft, or vandalism. Spoilage and equipment breakdown are often endorsements, not automatic.
Business owners policy
Eligible shops often place GL and property on a BOP. See BOP.
Workers’ compensation and auto
Employees trigger WC in California. Work vehicles and deliveries need commercial auto. WC · commercial auto.
What we need for a quote
- Location, square footage, and lease insurance requirements
- Annual sales, payroll, and employee count
- Inventory values and any high-value stock
- Delivery, off-site events, or installation work
Certificates are issued after a policy is bound. Request a quote or call (916) 545-3202.