NEXT is now ERGO NEXT Insurance, uniting digital-first innovation with Munich Re's global financial strength.

Hobby Shop Insurance

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

Choose your primary coverage to get started:

Hobby shop insurance can help protect you from:

Theft

Theft

Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.
Product liability

Product liability

A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.
Advertising injury

Advertising injury

A competitor sues you claiming that you copied the "look and feel" of their product listing.
Cyber

Cyber

Criminals hack your store's site, and now your customers' payment information is compromised.

Hobby shop insurance that's made for your business

NEXT specializes in providing customized insurance for small businesses and the self-employed. We offer affordable coverage tailored to hobby shop business so you are always protected against unpredictable events. The most common insurances packages bought by hobby shop business owners include:

  • General Liability
  • Workers’ Compensation
  • Commercial Property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different hobby shop business insurance policies available and save up to 10% when you bundle two or more of our policies.

General Liability

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of hobby shop accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by clients and licensing agencies.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Workers' Compensation

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if your hobby shop business has employees. Choose business owner’s coverage with your policy to protect yourself.

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 coverage helps protect almost all of the physical items you need to run your hobby shop business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses

What customers say about us

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

Small business insurance

I thought next was easy to use, great rates and outstanding follow-up.

Taylor M.

Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

Deborah H.

Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate

Myles C.

Great!

Hassle free and great to work with. Affordable.

Anthony G.

Peace of mind

easy to apply and and customer service is very responsive

Darrell W.

Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

Ronald M.

Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

Annick L.

The best service.

Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others

JOEL C.

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

You can save up to 25% in discounts on hobby shop insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much should a hobby shop expect to pay for insurance?

How much should a hobby shop expect to pay for insurance?

Your hobby shop insurance costs will be tailored to your business. Several factors will impact the price you pay, including:

  • Your claims history
  • How high you set your limits
  • Your work experience
  • How many people you employ

With coverage built for more than 1,300 small business professions, NEXT offers you the right small business insurance at the right price, no matter what you do.

Learn more about hobby shop insurance costs and coverage.

Hobby shop insurance requirements

Hobby shop insurance requirements

Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Help pay for accidents that cause damage to property that isn’t yours.
  • Defend yourself if you’re accused of making a mistake that causes someone to lose money.
  • Hire employees. Most states require workers’ compensation insurance if you have employees.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about hobby shop business insurance

Here are some of the most common questions we get about hobby shop 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 general liability coverage for hobby shop?

Yes, NEXT Insurance offers general liability, workers' compensation and commercial property coverage for hobby shop.

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.

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.

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.