Source: Guard Insurance Group — Retail Insurance
Guard Insurance Group: Retail Stores Insurance Appetite
Guard is excellent for small brick-and-mortar retail. Their BOP handles clothing stores, gift shops, florists, pet stores, and similar low-hazard retail with fast turnaround. Berkshire Hathaway backing gives confidence to landlords requiring certificates. Premium sweet spot under $30,000.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$1,000-$7,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Fast-issue BOP for retail stores under $5M annual revenue
- Property coverage includes business personal property and improvements
- Equipment breakdown available as BOP endorsement
- Low minimum premiums ideal for small boutiques and specialty shops
- Online portal for certificates and policy management
Limitations
- Gun shops, smoke shops, and adult retail are excluded
- Convenience stores with fuel pumps need separate program
- Maximum building value of $5M per location in BOP
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