Get customized insurance protection for retail stores, shops and online retail
ERGO NEXT makes it fast, easy and affordable for shops, stores, online retail, online resellers and other retailers to get tailored business insurance.
We’ll help you get coverage like general liability insurance and commercial property insurance to help protect you, your clients, your employees and your business.
In about 10 minutes with NEXT you’ll get:
- A free quote specific to your business
- The right insurance for your business risks
- Coverage after online payment
- Sharable proof of insurance at no extra cost
- Access to your policy 24/7 via web or mobile app
ERGO NEXT specializes in business insurance for retail
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How retail shop insurance can help protect you
Retailers insurance can be required by your city, state or profession. Even if it’s not mandatory, business insurance for shops and online retail business insurance could help cover costs if:
- Someone is injured at your place of business and you’re asked to cover the medical costs.**
- You or your employees damage someone else’s property.
- A fire, theft or vandalism damages your products, inventory, business gear and equipment.
Retail stores and online sellers most often purchase these types of insurance:
General Liability insurance for retail
A general liability insurance policy can help cover expenses from accidental damage to property you don’t own, or costs from an injury to someone who’s not an employee (such as a customer slip-and-fall).
This type of liability insurance could provide financial help for some legal fees and judgments.
Learn more about general liability insurance.
Commercial Property insurance for retail
This can help protect your business property, such as products and inventory; computers and business furniture; and fixtures like display cases, lighting and flooring. It can also help cover some costs for the business building, office or warehouse in the event of fire, theft or vandalism.
Commercial property coverage can also help with lost income if you suddenly have to close your doors for repairs.
How much does retail business insurance cost?
Your insurance cost can vary based on a number of factors, including:
- Your line of work
- The location of your business
- Your number of employees
- Your claims history
- Annual business revenue
Get a free quote to know exactly what your business will pay in about 10 minutes.
Retail business insurance that’s fast, easy and affordable
Fast
Buy your policy in just 10 minutes and you can save up to 25%*
Flexible
Set up monthly or annual payments, and get unlimited proof of insurance at no extra cost
Convenient
Do it all 100% online or talk to a licensed U.S.-based advisor
Get more business insurance coverage for retail and online retail to cover more risk
Most states require workers’ comp if you have employees. It can help cover medical expenses and lost wages after an employee’s workplace illness or injury. Business owners also have the option of workers’ comp for themselves.
If you own or use a vehicle for work, personal auto insurance typically won’t cover you. Most states require commercial auto insurance coverage for business-owned cars, trucks, trailers or other vehicles to help cover medical expenses and property damage after an accident.
BOP insurance combines the coverage of both general liability and commercial property insurance into a single comprehensive package that’s often more affordable than buying two separate policies.
Consider this coverage if you source, make or sell products. Product liability coverage — included in general liability insurance — can help protect your small business from costs if a customer claims an issue with your product caused injury or property damage.
Employment practices liability insurance (EPLI) can help with legal fees if you or someone at your business is accused of Americans with Disabilities Act (ADA) violations, sexual harassment, discrimination or wrongful termination.
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Retail insurance FAQ
If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help.
Do online retailers need insurance?
Yes. And in many cases, such as for Amazon sellers, Etsy sellers, or TikTok shops, insurance for your online retail business is required. Though you may not have a brick-and-mortar storefront, your business could still be liable for product defects and product liability. And whether you work alone or with employees, workers’ comp could either be smart protection or required in your state. In addition, if you drive for your business — deliveries, post office runs, etc. — commercial auto could also be required for your work vehicles.
Do dropship retailers need insurance?
Yes. Reseller business insurance is common, as dropshippers have all of the same liability risks as any other online retailer. You and your business could be held liable for product defects or products that cause damage, workers who get hurt at work, vehicle accidents if you drive for work, or advertising injury as well as other threats of legal action.
Can I get a retail insurance quote online?
How can I get a certificate of insurance (COI)?
How do you file an insurance claim with ERGO NEXT?
