Next Insurance

Hardware Store Insurance

You can save up to 25% in discounts on business insurance.*

Retail insurance
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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

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
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

General Liability

Bought by 95% of business owners like you
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

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

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

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

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.

How does business insurance protect retail stores?

Our retail store insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

The paint you sell on Amazon explodes in a customer’s bedroom, ruining the carpet and drapes. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A customer falls over backwards trying out a chair and breaks their arm. Your retail store general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries 

One of your employees falls off a step stool while restocking the upper shelves and badly twists their ankle, leaving them unable to work for several weeks. Workers’ compensation coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees. 

Injuries and damage involving your business vehicles

A hail storm leaves dents all over the roof of your work van. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Damage to your property and inventory

All the inventory you had ready to go was vandalized overnight. Commercial property insurance can help with replacement or repair costs.

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.

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More professions that are covered by NEXT

Toy Store, Medical Supplies Store, Luggage Store, Hobby Shop, Candy Store, Arts and Crafts Store, Laundromat, Candle Store, Jewelry Store, Furniture Store, Hardware Store, Convenience Store, Pawn Shop, Bike Shop, Clothing Store, Amazon Seller, Fabric Store, Florist, Electronics Store, Bookstore, E-commerce, Retail Store
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* 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.
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© 2023 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.