Main Street coverage, without the cookie-cutter policy.

Storefronts, restaurants, salons, and shops run on thin margins and full schedules. We build owner-friendly packages — usually a BOP plus the endorsements your lease and liquor license actually require — and we explain every line before you sign it.

Coverage built for this industry

Business Owners Policy (BOP)

Property and liability bundled for better pricing — tuned to your buildout, inventory, and foot traffic instead of a generic retail template.

Liquor Liability

Required with your license and scrutinized after any incident — written to match your sales mix, hours, and entertainment exposure.

Equipment Breakdown & Spoilage

When the walk-in dies on a Friday night, this is the coverage that pays for the compressor and the inventory inside it.

Workers’ Compensation

Kitchen, floor, and counter staff classified correctly — with payroll reporting that flexes for seasonal staffing.

Business Interruption

Income and extra-expense coverage that keeps payroll and rent paid while a covered loss has your doors closed.

Cyber & Payment Exposure

POS systems and customer data are real exposures for modern storefronts — affordable cyber endorsements close the gap.

How Geneva works this class

Lease-requirement fluency

Landlords dictate limits, additional insureds, and waiver wording. We read the lease and build the certificate to match — before the landlord’s property manager bounces it back.

Pricing that respects margins

We compare 25+ carriers because a few hundred dollars matters to a Main Street P&L. Bundle credits, payroll-accurate workers’ comp, and right-sized property limits add up.

Open fast, change fast

New location, new concept, a patio added for summer — hospitality changes quickly and your coverage has to keep pace. Mid-term changes are handled same-day.

Claims that don’t close the kitchen

A kitchen fire or a slip-and-fall is survivable with the right limits and a fast claim. We advocate from first notice through reopening day.

Frequently asked questions

What does a BOP cost for a small restaurant or shop?

Most Main Street BOPs land between $1,500 and $7,000 a year depending on square footage, sales, buildout value, and liquor exposure. The bigger question is what’s inside it — we quote line-by-line so you can see exactly what each dollar buys.

Do I need liquor liability if I only serve beer and wine?

If you sell or serve alcohol in any form, yes — your general liability excludes it. Beer-and-wine-only operations typically rate cheaper than full bars, and we make sure your policy’s sales basis matches your actual mix.

My landlord wants to be additional insured. Is that standard?

Completely standard, and usually free under your policy’s blanket endorsement. Send us the lease language and we’ll issue the certificate with the exact wording the same day.