Does retail business insurance cover customer accidents?

Find out if retail business insurance covers customer accidents, plus other protection it can provide for your business.

Aditya Raghunath - Writer for NEXT Insurance
By Aditya Raghunath
Kelly Hendrickse - editor for NEXT Insurance
Edited by Kelly Hendrickse
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Updated May 29, 2023.

Simply put — Yes, retail business insurance can cover customer accidents.

According to a HubSpot survey, 73% of consumers prefer to shop in-store. So, with customers eager to shop at brick-and-mortar retailers, risks may increase, making coverage even more important to consider.

» Check out the small business insurance basics to learn more

How can retail business insurance help?

Retail business insurance can protect against various potential hazards, including customer accidents, employee injuries in the workplace, theft and liability claims. More specifically, retail business insurance that includes a general liability policy — or premises liability coverage — can offer cover for customer accidents.

In addition, general liability insurance can protect against a range of other potential hazards, including:

  • Third-party property damage
  • Advertising harm
  • Slander claims

Common types of accidents

The following incidents may be covered with retail business insurance:

  • Slip-and-fall accidents: This can be quite common in the retail industry due to wet floors, uneven surfaces or clutter on the floor. Coverage can help with resulting medical expenses, legal fees and any settlements or judgments related to a claim.
  • Injuries caused by a product: If a retailer sells defective products that injure customers, a product liability policy can help with legal fees if the business is held liable.

How NEXT can help protect you and your customers

With NEXT, you can not only get cover against these claims but other perils too, like third-party property damage, product liability claims or other potential risks. Prioritizing your business's and customers' safety can be affordable and easy.

To view your options, apply online today and get an instant quote in less than 10 minutes. Once you have the insurance you need, you can instantly get your certificate of insurance to share it 24/7 with the NEXT app.

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