Hardware Store Insurance

Save up to 25% on business insurance for hardware stores.*

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Hardware store insurance can help protect you from the costs of

Customer injuries

Someone slips, trips or gets hurt in your store and asks you to cover their medical bills.^**

Product liability

A product you make or sell causes harm to a customer’s health or damages their property, and you’re asked to cover the costs.

Property and inventory damage

An event like a fire, theft, vandalism, extreme weather damage or a burst water pipe ruins your inventory, the contents of your store or the retail space you own or lease.

Loss of business income while you’re closed for repairs

You could get business interruption income if you’re forced to close temporarily after a covered property and inventory damage event.

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Get hardware store insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Hardware store insurance can help protect you, your business and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

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ERGO NEXT specializes in business insurance for hardware stores

Hardware store coverage is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability

Protection for injuries to non-employees and damage to other people's property

General liability insurance could help with financial protection if someone other than an employee — such as a customer, vendor or delivery driver — is injured at your hardware store, or if you or your employees accidentally damage someone else's property. For example, it may help if a customer trips over merchandise or an employee damages a customer's property, depending on the policy.

general liability can help you pay for:

Legal defense costs after a covered claim

Damage to someone else's property

Medical expenses if someone is injured at your store

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Workers' Compensation insurance

Often required to help cover the costs of employee work-related illness or injury

Workers' compensation insurance could help cover medical expenses and lost wages if an employee gets hurt doing their job. It's required in most states if you have employees. This can be important coverage for hardware stores where employees lift heavy goods, stock shelves or operate equipment. Optional owner's coverage can also help protect you.

workers compensation can help you pay for:

Medical expenses and permanent injury

Lost wages

rehabilitation costs and job retraining

Employer's liability in the event of legal action against you

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Commercial Property insurance

Protect your building, inventory, equipment and other business property

Commercial property insurance could help protect the property you lease or own to run your hardware store, as well as the contents inside like the tools, building materials and paint that you sell, plus the display shelving, computers and POS systems and other business equipment you use for your business. This coverage may also help replace lost income if you have to temporarily close for repairs after an event like a fire or burglary.

commercial property can help you pay for:

Damage from fire and windstorms

Broken and damaged property from theft and vandalism

Business interruption coverage if you have to close temporarily

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Product Liability insurance

Coverage to protect hardware stores from damages or injuries caused by the products they make or sell

Product liability coverage — included with general liability insurance at ERGO NEXT — could help protect your hardware store from losses if a customer claims that a product you sold caused bodily injury or property damage. This could apply to damages caused by defective power tools, paint, ladders, fasteners, lawn equipment or other hardware products, depending on the policy.

product liability can help you pay for:

Property damage if a product you make or sell causes harm

Costs if a product you sold causes a customer injury

Legal fees if you have to defend your business against covered claims

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BOP Insurance (Business Owner’s Policy)

General Liability plus Commercial Property coverage in one package

BOP insurance combines commercial general liability insurance and commercial property insurance at a price that’s often more affordable than buying two separate policies.

business owners policy can help you pay for:

Slip-and-fall injuries (bodily injury)

Damage to other people’s property

Broken and damaged property from theft and vandalism

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Save up to 25% in discounts on hardware store insurance

Pay monthly or annually, and you can cancel 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

How much does hardware store insurance cost?

Hardware store insurance can be more affordable than you might think. The cost depends on several factors, including:

The size of your hardware store.
The products you sell, such as power tools, paint, building materials or lawn and garden equipment.
Your business location.
Your number of employees.
Your annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

To see exactly what your business will pay for hardware store insurance, get a free, no-obligation quote. In about 10 minutes, you can check the cost of customized coverage and buy 100% online — no agent required.

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How can insurance for hardware stores help your business?

Hardware store insurance can help support your business by helping you:

Protect your store, inventory and equipment. Hardware store insurance could help protect the retail space you own or lease from things like fire, theft or vandalism. It can also cover the contents of your store, such as tools, building materials, paint, shelving, computers and electronics and other business property.
Supplement loss of income. If your business suffers a catastrophe like extreme weather damage, a broken water pipe or a burglary that shatters windows and doors, business insurance could help cover lost income while you close temporarily for repairs.
Handle liability claims against you. Liability insurance could help protect you if a customer is injured at your store or if your business accidentally damages someone else’s property.
Deal with product liability issues. If an item you make or sell is alleged to cause bodily injury or property damage, liability coverage may help with covered claims.
Hire employees. Most states require workers’ comp insurance for businesses with employees.
Make deliveries, transport supplies or drive for business. If you or your employees drive a car, van, truck or trailer for work, commercial auto insurance could help protect your business.

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Hardware store insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

Does ERGO NEXT Insurance offer business insurance coverage for hardware stores?

Yes, ERGO NEXT offers commercial property insurance, general liability insurance, commercial auto insurance and workers' compensation insurance for hardware stores.

Does ERGO NEXT offer Employment Practices Liability insurance (EPLI) for hardware stores?

Yes. ERGO NEXT offers Employment Practices Liability Insurance (EPLI) as an add-on to general liability insurance for eligible businesses, including many hardware stores. EPLI can help protect your business if an employee or job applicant alleges wrongful termination, discrimination, harassment or other covered employment-related claims. Coverage depends on your policy and your business's eligibility.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

Can I add to or change my business insurance coverage?

Yes, anytime. Your policy documents can be accessed and managed at your convenience in your online customer account. If your business has increased in size and scope, such as increased its revenue, opened a second location, added a new business vehicle or or added or reduced its employees, it’s a great time to check and make sure that you have the right amount of coverage.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.