PreferredVerified Q1 2026
Source: Progressive Commercial — Retail Insurance
Progressive Commercial: Retail Stores Insurance Appetite
Progressive's small commercial BOP is one of the easiest retail placements in the market. Most brick-and-mortar shops — clothing, gift shops, florists, pet stores — bind quickly with minimal documentation. Watch for the e-commerce threshold if the client sells online.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$1,500-$8,000
Typical annual premium
Target States
49 states (not available in Hawaii)
Key Features
- Fast-issue BOP for retail stores under $3M in annual sales
- Property coverage includes business personal property and tenant improvements
- Equipment breakdown coverage available as BOP endorsement
- Competitive GL rates for low-hazard retail operations
- Same-day certificate issuance through agent portal
Limitations
- Gun shops, head shops, and adult retail are excluded
- Convenience stores with gas pumps require separate quoting
- Stores with over 20% e-commerce revenue may need cyber liability add-on
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