Does Retail insurance cover employee injuries on the job?

Workers' compensation insurance, part of retail insurance, can help protect employers and staff if workplace injuries occur.

Marcel Deer - Writer for NEXT Insurance
By Marcel Deer
Kelly Hendrickse - editor for NEXT Insurance
Edited by Kelly Hendrickse
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Updated May 29, 2023.

Yes, retail insurance can cover employee injuries on the job via a workers' compensation insurance policy.

As an employer, you try to provide a safe working environment for your staff. Although retail work isn't technically a high-risk occupation, accidents can still happen. For instance, an employee at an electronics store could be injured while moving inventory to different locations on the property. That's where insurance can help.

» Learn why businesses need more than one business insurance policy

What can Retail insurance cover?

With retail insurance workers' compensation, you can receive coverage for the following:

  • Employee medical fees
  • Lost wages
  • Retraining
  • Employers' liability
  • Permanent injury
  • Survivor benefits

Employers can benefit too. Workers' compensation insurance can protect your retail business from substantial financial losses with employers liability coverage, demonstrate commitment to providing a safe working environment for your staff and comply with legal requirements.

Protect yourself and your staff with NEXT coverage

NEXT offers affordable and tailored retail business insurance with a workers' compensation policy that can give you the peace of mind you need to go about your daily work activities.

It's easy — you'll have instant access to your certificate of insurance once you purchase coverage, and you can share it 24/7 with the NEXT app.

NEXT: Tailored Small Business Insurance

4.7/5(5,056 reviews)