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Industries · Retail
Retail Insurance — storefronts, e-commerce, and multi-location
Retail business insurance protects inventory, premises, and the customer experience — GL, property, business income, cyber, and crime for everything from boutiques to multi-location operators.
At a Glance
- Common form
- BOP
- Cyber
- Required by most card processors
- Crime
- Inside / outside theft
- EPLI
- Wage/hour exposure
Quick answer
Ellie Insurance Group is an independent business insurance agency (founded 2014, headquartered in Tampa, Florida) that shops 100+ carrier markets to place retail store insurance — BOP, general liability, property, business income, cyber, crime, and EPLI — for boutiques, multi-location stores, and e-commerce retailers. As an independent broker we compare real quotes side by side instead of locking you into one carrier. Start an Instant Quote and a licensed agent shops your store for you.
Coverage
What a retail program covers
- GL
Slip-and-fall and product liability.
- Property + business income
Inventory + premises + 12 months BI.
- Crime
Employee theft, money in transit, robbery.
- Cyber liability
Card-data breach, ransomware, e-commerce events.
- EPLI
Wage/hour and harassment.
- Workers' comp
Required for employees.
Common gaps
What it typically won't cover
- Cyber events (without dedicated policy)
- Crime past sub-limit (without crime form)
- Flood (typically separate)
- Loss of attraction (anchor-tenant departures)
Pricing
What drives retail premium
Sales volume
Premium rated on gross sales.
Inventory value
Drives property limit.
Location class
Strip vs mall vs lifestyle vs free-standing.
Product line
Cosmetics + electronics load cyber + crime.
By location
Retail insurance by Florida metro
We write retail and storefront programs statewide. These Florida metros each have a dedicated local page covering local foot traffic, theft/crime, hurricane/wind property factors, and BOP eligibility for that market.
Tampa Retail Insurance
Tampa Bay · Hillsborough County. Local retail business insurance for Tampa-based operations.
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Brooksville Retail Insurance
Nature Coast · Hernando County. Local retail business insurance for Brooksville-based operations.
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Orlando Retail Insurance
Central Florida · Orange County. Local retail business insurance for Orlando-based operations.
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Jacksonville Retail Insurance
Northeast Florida · Duval County. Local retail business insurance for Jacksonville-based operations.
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Miami Retail Insurance
South Florida · Miami-Dade County. Local retail business insurance for Miami-based operations.
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St. Petersburg Retail Insurance
Tampa Bay · Pinellas County. Local retail business insurance for St. Petersburg-based operations.
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Fort Lauderdale Retail Insurance
South Florida · Broward County. Local retail business insurance for Fort Lauderdale-based operations.
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Sarasota Retail Insurance
Southwest Florida · Sarasota County. Local retail business insurance for Sarasota-based operations.
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Fort Myers Retail Insurance
Southwest Florida · Lee County. Local retail business insurance for Fort Myers-based operations.
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Cape Coral Retail Insurance
Southwest Florida · Lee County. Local retail business insurance for Cape Coral-based operations.
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Lakeland Retail Insurance
Central Florida · Polk County. Local retail business insurance for Lakeland-based operations.
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Clearwater Retail Insurance
Tampa Bay · Pinellas County. Local retail business insurance for Clearwater-based operations.
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Ocala Retail Insurance
North Central Florida · Marion County. Local retail business insurance for Ocala-based operations.
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Pensacola Retail Insurance
Northwest Florida · Escambia County. Local retail business insurance for Pensacola-based operations.
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Naples Retail Insurance
Southwest Florida · Collier County. Local retail business insurance for Naples-based operations.
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Gainesville Retail Insurance
North Central Florida · Alachua County. Local retail business insurance for Gainesville-based operations.
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Port St. Lucie Retail Insurance
Treasure Coast · St. Lucie County. Local retail business insurance for Port St. Lucie-based operations.
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Quote checklist
What we'll need to quote
Quote checklist
What we'll need to quote
- Concept + product mix + sales volume
- Inventory value
- Square footage + location class
- POS / e-commerce setup
- Employee count + payroll
- 5-year loss runs
FAQ
Frequently Asked Questions
- Yes — even tokenized processors leave you exposed to phishing, ransomware, and notification costs. Most processors require cyber coverage.
- Inside / outside theft is covered through a crime form, typically sub-limited unless scheduled.
- Sales themselves are rated; coverage extends to product liability and shipping. Cyber is needed for the e-commerce platform itself.
- BOP packages GL + property for smaller retailers. CPP is à-la-carte for larger or multi-location operators who need flexibility.
Keep reading
Explore related coverage
Sources
Authoritative references
Coverage descriptions and regulatory figures on this page are general summaries reviewed against the references above and are not a statement of coverage, legal advice, or a guarantee of eligibility or price. Last reviewed . Requirements and policy terms change — always confirm current rules with the relevant agency and verify coverage against the actual policy and a licensed agent.
Related articles
Deeper reading on this coverage
Cost benchmarks
General Liability Insurance Cost: Real Benchmarks for 2026
Per-industry GL benchmarks: what contractors, retail, restaurants, and pros really pay — and what drives the price up or down.
Coverage guidance
Cyber Liability for Small Business: What It Covers and What It Costs
The case for cyber: ransomware, wire fraud, business email compromise, and breach response — typically $700–$3,500/year for small operations.
Operations
Business Insurance Checklist: A 12-Point Annual Review
A 12-point checklist for a real annual review — not a quote shop.
Starter guides
Small Business Insurance Guide: The First Four Policies You Need
The first four policies most operations actually need — and which lines are optional until you grow into them.
Carrier access
Access to 100+ A-rated commercial markets
As an independent agency we shop 100+ admitted and surplus-lines carrier markets — so the carrier competes for your business, not the other way around.
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Next step
Ready to shop commercial coverage?
Talk to a commercial agent or run an instant quote online — same-day binding on most commercial submissions during business hours.