Does Toy Store insurance cover liability claims made by customers?

Discover if toy store insurance covers customers' liability claims and learn about additional coverage options.

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.

Toy store insurance can cover liability claims from customers if you have general liability coverage.

Picture this: A child eagerly runs into your toy store excitedly. As they grab their favorite action figure, they accidentally trip over a toy display, injuring themselves badly enough that they need medical attention. Moments later, their concerned parent asks about your liability coverage. This is where having insurance comes in handy.

» Looking to protect your small business? Learn some small business insurance basics

How can Retail insurance help toy stores?

Accidents and injuries can happen unexpectedly, and they can lead to significant financial losses. Retail insurance can include a number of liability policies to protect you, such as:

Essential coverage for toy stores

Liability coverage can bring huge comfort for toy store owners since it can help cover financial losses, legal defense fees and medical costs for injuries. So, ensuring your coverage plan has liability coverage is a useful idea.

And NEXT's got you covered with tailored business insurance. To view your options, simply apply online and get an instant quote in less than 10 minutes. 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.

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