Small Businesses & Retail Insurance
Whether you run a boutique, a local service business, or a brick-and-mortar storefront, small businesses face big risks. At Pelican Shield Insurance Group, we help small business owners in Florida and Virginia find insurance solutions that support day-to-day operations, customer safety, and long-term stability.
Keep Your Business Running Smoothly
Small businesses are the backbone of local economies—but they’re also vulnerable to everyday risks. A single lawsuit, property loss, or cyberattack could create major setbacks. Having the right insurance in place helps protect everything you’ve built.
At Pelican Shield Insurance Group, we work with retailers, service providers, and solo entrepreneurs across Florida and Virginia. Whether you operate a salon in Sarasota or a gift shop in Richmond, we help you explore coverage that matches your size, budget, and exposure.
Essential Insurance for Small Businesses & Retailers
From liability protection to digital security, small businesses benefit from comprehensive coverage that adapts to their growth and customer-facing operations.
Covers third-party injuries or property damage on your premises—key for customer-facing businesses like retail shops and offices.
Business Owner’s Policy (BOP)
Bundles general liability and commercial property coverage into one convenient policy—ideal for small business owners looking to simplify protection.
Covers your storefront, furniture, POS systems, and inventory from fire, theft, or severe weather.
Helps cover losses related to data breaches, fraud, and hacking—especially for businesses with online sales or digital customer data.
Business Interruption Insurance
Provides income support if a covered event like a fire or storm forces your business to temporarily close.
Workers’ Compensation Insurance
Required in both Florida and Virginia for businesses with employees—covers workplace injuries and lost wages.
Why Small Business Owners Trust Pelican Shield Insurance Group
Support for Local Retailers & Startups
We understand the challenges small businesses face when starting out. We help you build scalable coverage that grows with your operation.
Quick, Reliable Certificates of Insurance
Need proof of insurance for a lease, vendor, or event? We aim for fast COI turnaround so you’re never left waiting.
Options That Respect Your Budget
We work with multiple insurance carriers to help find affordable, flexible policies that protect what matters most without unnecessary add-ons.
Small Business Insurance FAQs
Do I need insurance for my small business if I work from home?
Yes—homeowners insurance typically excludes business activity. If you operate a business from home, you may need general liability, cyber, or commercial property coverage for equipment and inventory.
What insurance is required for small businesses in Florida and Virginia?
Requirements vary, but most businesses with employees need workers’ comp, and many leases or contracts require general liability coverage. Some industries may also require professional or cyber liability protection.
Is a Business Owner’s Policy (BOP) right for my business?
If you have physical assets (like inventory, furniture, or leased space) and interact with the public, a BOP can provide an affordable bundled solution.
Can I get insurance if I sell products online?
Yes. E-commerce sellers in Florida and Virginia should consider product liability, cyber liability, and shipping insurance depending on where and how they operate.
How can I lower my small business insurance premium?
Improving your risk profile—like adding security systems, maintaining clear safety protocols, and increasing deductibles—can help lower costs. We’ll walk you through other cost-saving strategies too.
