Hardware Store Insurance
You can save up to 25% in discounts on business insurance.*
Choose your primary coverage to get started:
Hardware store insurance can help protect you from:
Theft
Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.
Product liability
A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.
Advertising injury
A competitor sues you claiming that you copied the "look and feel" of their product listing.
Cyber
Criminals hack your store's site, and now your customers' payment information is compromised.
Hardware store insurance designed to protect your business
NEXT Insurance is a one-stop shop to help you get the hardware store insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- General liability
- Commercial auto
- Workers’ compensation
- Commercial property
We’ll help you get the hardware store business insurance coverage you need
It’s all about managing your risk. See the different policies available for hardware stores and save up to 10% when you bundle two or more of our policies.
General Liability
Protection for the injuries, accidents and damage you cause
General liability insurance is included in most business insurance packages, including hardware store businesses, because it covers the risks that many business owners face every day. It's not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Commercial Auto
For business owners that use vehicles
Commercial auto insurance helps hardware stores cover injuries and damages resulting from work-related car accidents. Most states require commercial auto insurance for business-owned vehicles in order to help pay for medical expenses and property damage.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation
For business owners who hire employees
Workers’ compensation insurance protects employees and hardware store business owners from financial losses after a workplace injury or illness. It can help with reimbursing medical bills, rehabilitation costs, lost wages and other expenses.
workers compensation can help you pay for:
Medical expenses
Lost Wages
Employer liability
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance is one of the most common types of small business insurance hardware store owners buy because of the different types of coverage it offers. It helps with replacement or repair costs if property is stolen or damaged due to a covered event, such as a burst water pipe, fire or vandalism.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
You can save up to 25% in discounts on the best hardware store insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Frequently asked questions about hardware store business insurance
Here are some of the most common questions we get about hardware store business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
Does NEXT Insurance offer commercial auto coverage for hardware stores?
Yes, NEXT Insurance offers general liability, commercial auto, workers' compensation, and commercial property insurance coverage for hardware stores.
Does NEXT Insurance offer commercial property coverage for hardware stores?
Yes, NEXT Insurance offers commercial property insurance, general liability, commercial auto, and workers' compensation insurance coverage for hardware stores.
What are some examples of types of business insurance protection for retail shops?
NEXT’s retail shop policies can help protect your business from a variety of risks and financial losses related to:
Damage to someone else’s property
The paint you sell on Amazon explodes in a customer’s bedroom, ruining the carpet and drapes. Your general liability policy could help pay for the damages.**Accidents that hurt someone
A customer falls and breaks their arm inside your retail store. Your general liability coverage or BOP insurance could help pay for medical costs and legal fees.Damage to your own property and inventory
Vandals tag your storefront, break a window and steal some business laptops and products. Commercial property insurance could help with replacement or repair.Accidents involving your business vehicles
You have a fender bender on the way to a client’s office. Commercial auto insurance could help pay for the damages.Workplace illness or injuries
Your employee falls off a step stool and twists an ankle — and now you’re down a worker for several weeks. Workers’ compensation insurance can help cover medical bills and lost wages.Can I add to or change my coverage?
If you’ve expanded your business and need coverage for more kinds of work (or higher amounts of the same coverage), please let us know.
One of our support agents can discuss your business's changing needs, and in most cases, we’ll be able to set you up with a new policy on the same day (so there will be no gaps in your coverage).
If you're a customer, your policy documents and changes can be accessed and managed in your online customer account.
The quickest way to talk to our U.S.-based customer service team is through chat. You can reach us by clicking “chat with us” at the very bottom of the help center page.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
Amazon Seller, Arts and Crafts Store, Bike Shop, Bookstore, Candle Store, Candy Store, Clothing Store, Convenience Store, E-commerce, Electronics Store, Fabric Store, Florist, Furniture Store, Hardware Store, Jewelry Store, Laundromat, Luggage Store, Medical Supplies Store, Pawn Shop, Retail Store, Toy Store
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.