StandardVerified Q1 2026
Source: Insureon – Retail Insurance
Insureon: Retail Stores Insurance Appetite
Insureon is a digital marketplace, not a carrier. Policies are issued through partners like Hartford, Progressive, Travelers, and Hiscox. For retail, Insureon helps small shop owners compare BOP quotes quickly. Best for micro-retail and online sellers seeking the simplest path to coverage.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Professional Liability |
| Commercial Auto |
| Cyber Insurance |
Premium Range
$400-$5,000
Typical annual premium
Target States
All 50 states (through carrier partners)
Key Features
- Side-by-side BOP quotes from multiple carriers for retail stores
- Partners include Hartford, Progressive, Hiscox, and specialty retailers markets
- Low minimums ideal for pop-up shops, online sellers, and micro-retail
- Online application takes minutes to complete
- Instant digital certificates from carrier partners
Limitations
- Policies issued through carrier partners, not Insureon directly
- Gun shops, adult retail, and cannabis retail may have no carrier matches
- Coverage breadth depends entirely on matched carrier
Compare Other Carriers for Retail Stores
Progressive CommercialPreferred
$1,500-$8,000
TravelersStandard
$2,500-$12,000
CNAStandard
$3,000-$15,000
HiscoxStandard
$500-$4,000
ERGO NEXT InsurancePreferred
$500-$4,000
The HartfordPreferred
$1,500-$12,000
EMPLOYERS HoldingsPreferred
$800-$5,000
AcuityStandard
$2,000-$12,000
Erie InsuranceStandard
$2,000-$12,000
biBERKPreferred
$1,500-$8,000
AmTrust Financial ServicesPreferred
$1,500-$10,000
BTISStandard
$1,500-$8,000
Pie InsurancePreferred
$800-$5,000
NationwidePreferred
$1,200-$9,000
Liberty MutualStandard
$1,500-$10,000
ChubbStandard
$2,000-$12,000
Cincinnati FinancialPreferred
$1,200-$8,000
Hanover InsurancePreferred
$1,200-$8,500
Auto-Owners InsurancePreferred
$1,000-$7,500
Guard Insurance GroupPreferred
$1,000-$7,000
Markel CorporationStandard
$2,000-$12,000
Coterie InsuranceStandard
$500-$3,500
Selective Insurance GroupStandard
$3,000-$25,000
Kinsale Capital GroupStandard
$2,000-$15,000