Comprehensive Retail Insurance for DC, Maryland, and Virginia

Yes. While your landlord likely insures the building structure, their policy does not cover your inventory, your shelves, or liability for customers slipping inside your store. You need a Business Owners Policy (BOP) to cover your assets.

Premiums are based on your annual sales, square footage, the value of your inventory, and the type of goods you sell (e.g., clothing stores typically have lower rates than electronics stores).

Standard property policies often exclude "Employee Dishonesty." To be covered if an employee steals cash or inventory, you typically need to add specific Employee Dishonesty coverage to your package.

Storefront glass is expensive. We recommend adding Glass Coverage to your policy, which specifically covers the replacement of plate glass windows and outdoor signage due to vandalism or accidental breakage.

We understand that lease requirements in DC, MD, and VA can be strict. Once your policy is bound, we can typically issue a Certificate of Insurance (COI) within the same business day so you can sign your lease or open your doors without delay.

Yes, this falls under Product Liability, which is usually included in your General Liability policy. It protects you if a customer sues because a product they bought from you caused them injury or illness.

Standard retail policies focus on your physical store. If you ship goods, you may need Inland Marine or specific shipping coverage to protect items while they are in transit to the customer.