Hardware Store Insurance

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

Choose your primary coverage to get started:

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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

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 ERGO 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 ERGO 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.

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, TikTok Shop Seller, Toy Store