Retail Store Insurance in California
Coverage built for retail stores and boutiques
From a local Farmers agency in Ontario, serving the Inland Empire and all of California.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteRetail stores face customer foot traffic, inventory losses, and the daily risk of a bad break-in. We help Inland Empire shop owners protect their storefront, stock, and income with coverage sized to their business.
Who we cover
- Clothing and shoe stores
- Boutiques and gift shops
- Furniture and home goods stores
- Beauty supply and specialty retail
- Smoke shops and vape stores
Coverage to consider
Business owner's policy (BOP)
Bundles property and liability coverage for many small retailers at a lower cost.
General liability
Covers customer injuries in your store and related claims.
Commercial property
Protects inventory, fixtures, and improvements you've made to your space.
Crime coverage
Helps with employee theft, robbery, and money losses.
Business income
Replaces lost income while you're closed after a covered loss.
Workers' comp
Required for your employees.
Coverage options, limits, and eligibility vary by carrier and are subject to underwriting. We'll match you with the right options from the carriers available to our agency.
Common risks we help you plan for
Customer slip-and-falls, break-ins and smash-and-grab theft, inventory damage from water leaks, and employee injuries while stocking are the most common retail claims.
Why work with a local agent
Our office is at 3602 Inland Empire Blvd #C330, Ontario, CA 91764, so you can sit down with us in person or handle everything by phone and text. We review your operations, explain your options in plain language, and help when it's time to file a claim.
3602 Inland Empire Blvd #C330, Ontario, CA 91764
Office hours: 9:00 to 5:30
Phone: (909) 972-0699
Areas we serve
We work with retail stores and boutiques throughout the Inland Empire, including Ontario, Rancho Cucamonga, Chino Hills, Chino, Upland, Fontana, Montclair, and Eastvale, and across California.
Related coverage
Frequently asked questions
Is a BOP enough for my store?
For many small retailers, a BOP covers the essentials. We'll check whether you need add-ons like crime coverage or higher inventory limits.
Does my landlord's insurance cover my inventory?
No. Your landlord's policy covers their building. Your inventory, fixtures, and improvements need your own coverage.
Can I raise coverage during the holiday season?
Some policies allow seasonal increases for inventory. Ask us to review your peak stock levels.
Do you serve businesses outside Ontario?
Yes. Our office is in Ontario, and we serve businesses throughout the Inland Empire and across California.
Get your free quote
Farmers Insurance, Young Douglas. CA License #4091974. Coverage, discounts, and eligibility vary and are subject to underwriting.
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.