A swift response: How NEXT retail insurance helped Rozay’s Boutique after a break-in

A swift response: How NEXT retail insurance helped Rozay’s Boutique after a break-in

Matt Crawford
By Matt Crawford
Jun 19, 2024
3 min read

As a small business owner, one of your worst nightmares is waking up to an emergency that threatens your livelihood.

For Roshanda King, the owner of Rozay’s Boutique in Stone Mountain, Georgia, that nightmare became a reality when her glass door was shattered in the middle of the night. But with the quick response from NEXT, Roshanda’s business’s security was quickly restored.

The early-morning crisis

It was early Sunday morning, around 4 a.m. when Roshanda was jolted awake by security alerts on her cell phone.

“I jumped up, looked at my phone and immediately pulled up the camera,” Roshanda said. She saw police officers on the scene and noticed her front door was shattered.

“I just felt violated because someone had come into my space and had basically taken from me,” she said.

Known for trendy women’s clothing ranging from streetwear to professional attire, Rozay’s Boutique was more than just a store to Roshanda. It was a manifestation of her lifelong passion for fashion, and a business idea she pursued alongside her career in IT.

Immediate action and support

Understanding the urgency to secure her boutique and continue operations, Roshanda contacted a repair company in Atlanta that offers 24/7 services.

“The guy replaced the door within 10 minutes,” she said.

After a few hours of sleep, she woke up to her next immediate concern — how to get reimbursement for the repair costs. Here’s where NEXT stepped in.

Roshanda logged into her NEXT Insurance account and initiated a claim with her retail insurance policy. She described the process as remarkably easy to use:

“The website is so user-friendly. I was able to put in that claim, get my pictures uploaded and get all the information that was asked, probably in less than five minutes,” she said.

NEXT Insurance: A claim paid in about 24 hours

The efficiency of NEXT exceeded Roshanda’s expectations.

“The NEXT agent actually reached out to me via phone and followed up with an email,” she said. “By Monday morning, she had informed me everything was processed and approved. She sent me a link to input my banking information to get a refund.”

It took about 24 hours from filing her claim to receiving reimbursement for the claim.

“From filing that claim on Sunday morning, in less than 24 hours, I was refunded,” she said. “I was ecstatic. I had never seen a claim or even heard about a claim being moved that fast and paid out that fast.”

Building trust and confidence

For Roshanda, this experience was a testament to the reliability and efficiency of NEXT Insurance.

“It’s very important to me that the company pays out very quickly,” she said. “I’m able to keep capital to be able to have inventory.”

Rozay’s Boutique has local walk-in customers and Roshanda ships nationwide. Maintaining a secure and appealing storefront is crucial for the boutique’s success.

“It’s a boutique,” She said. “You wouldn’t want your customers to come up and not feel safe” with a boarded door or other temporary fix.

A lesson for all small business owners

Roshanda’s experience underscores the importance of having business insurance.

Her swift action and NEXT’s rapid response ensured that Rozay Boutique was back in business without significant financial strain.

This incident also prompted Roshanda to share her story on social media, encouraging other business owners to prioritize getting the right insurance coverage.

“With me being a very transparent business owner, I like to let other people know — not so much always showing the good, but letting them see some of the bad as well,” she said.

“It’s important to have business insurance because unexpected things such as what happened to me can come up and happen. And you may not have those funds set aside for losing inventory or replacing doors or replacing electronic devices.”

For small business owners like Roshanda, NEXT is a partner in ensuring the sustainability and security of their journey as entrepreneurs.

Her story is a powerful reminder of the peace of mind that comes from knowing you’re protected by a company that genuinely cares about your success.

“NEXT Insurance is probably one of the best insurance companies out there,” she said. “They live up to their word of being affordable and efficient for business owners.”

How business insurance can help you

NEXT is dedicated to helping small businesses thrive by providing a fast, tailored and affordable option to buy business insurance.

You can get covered without the help of an agent online in about 10 minutes with our easy online quote process. Once you purchase coverage, you’ll have immediate access to your account and your certificate of insurance through our website or mobile app.

If you have a claim, we’re ready to help with our team of U.S.-based claims advocates.

Get a quote today.

Roshanda King, the owner of Rozay’s Boutique in Stone Mountain, Georgia, has been a NEXT customer since 2021. Visit her online or on the shop’s Instagram page.


Matt Crawford
About the author

Matt Crawford leads NEXT's content team. He's a small business insurance specialist and has worked with business owners throughout his career as a community journalist and content marketer.

You can find him at one of his many favorite local restaurants in the San Francisco Bay Area when he's not at work.

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