Retail insurance
Storefronts, boutiques, specialty shops, and light wholesale. Most retail programs are a Business Owners Policy plus workers’ compensation, with the whole conversation turning on inventory values and what the lease requires.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
What a retail program covers
Kavana Insurance Inc. helps California and Texas retailers size the property schedule properly and meet the requirements in the lease.
General liability
Customer slip-and-fall and third-party property damage. It is the highest-frequency claim in retail and the coverage every landlord asks to see.
Property, contents, and inventory
Build-out, fixtures, and stock after covered fire, theft, water, or vandalism. Seasonal inventory peaks are worth telling the underwriter about before they happen.
Business income
Lost income and continuing expenses while you cannot trade after a covered loss. It has to be purchased — it is not automatic.
Products liability and crime
What you sell can create a claim after it leaves the store. Employee theft and money losses sit on crime coverage, not property.
Inventory and the lease do the underwriting
Retail schedules get set once and then go stale. If your average inventory has doubled since the policy was written, the coinsurance clause is the part that will hurt at claim time. Tell us at renewal, not after.
Delivery and errands in a company vehicle need commercial auto, and employees using their own cars for pickups create hired and non-owned exposure a personal policy does not fill.
A landlord’s certificate requirement is a contract term. It is cheaper to read it before you sign the lease than to renegotiate a policy to satisfy it.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
Tell us the job
Operations, payroll, vehicles, contracts, or project value — whatever applies.
Review the structure
Limits, deductibles, exclusions, and what sits outside the policy.
Bind and issue
Choose coverage. Get policy documents and COIs once the carrier binds.