CCalvo InsuranceCalifornia

Insurance for Retail Stores in California

Get a QuoteCall (951) 383-3000
Javier Calvo, commercial insurance agent in Murrieta, California

Your agent: Javier Calvo

  • Licensed California agent — CA License #0L69621
  • Hablamos español / Bilingual service
  • Local office in Murrieta, CA
Read our reviews on Google

A retail store lives on its inventory and its foot traffic. A customer slips on a wet floor. A break-in empties the stockroom. A fire or burst pipe closes the shop for weeks. Landlords usually require proof of insurance, and the landlord's policy doesn't cover what's inside your space.

We insure California retail shops and markets with three coverages: Business Owners Policy, Workers' Compensation and Commercial Auto. We'll match them to your space, your stock and your staff — in English or Spanish.

How our three coverages fit

  • Business Owners Policy

    A Business Owners Policy is the core coverage for most retail stores — it can help cover your inventory, equipment and improvements, liability if a customer is hurt, and lost income while you're closed after a covered loss, depending on the policy.

    See coverage

  • Workers' Compensation

    If you have even one part-time employee, California generally requires workers' comp. It can help cover medical care and lost wages when an employee is hurt at work.

    See coverage

  • Commercial Auto Insurance

    If the store owns a vehicle for deliveries, pickups or supply runs, commercial auto can help cover it — personal policies often exclude business use.

    See coverage

Common questions

I rent my retail space — what insurance do I need?
Most California landlords require a Business Owners Policy or similar liability coverage. Your landlord's policy covers the building shell, not your inventory, equipment or liability to customers.
Is my inventory covered if there's a theft or fire?
Inventory can be covered under the property side of a Business Owners Policy, depending on the policy and its limits. We'll review the value of your stock with you so the coverage matches.
Do I need workers' comp for one part-time cashier?
California generally requires workers' compensation from your first employee, part-time included. We'll confirm how it applies to your store.
Can I get everything in one quote?
Yes. Answer the short quiz on this page and we'll quote the coverages that fit your store together, usually within one business day.

Ready to see your number?

Start the quiz below. About a minute. No obligation.

Get a quote

Step 1 of 5

Takes about 60 seconds — no obligation.

What do you need covered?

10 years serving California businesses, bilingual service, no obligation.