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Retail Store Insurance

Save up to 30% on business insurance
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Business insurance for retail stores has never been easier

Next offers business insurance with coverage designed for retail businesses. We customize coverage for brick-and-mortar, online businesses and Amazon third-party sellers.
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Get covered in 10 minutes and save up to 30%
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Instant proof of insurance and easy monthly payments
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Retail store insurance designed to protect your business

Next Insurance is a one-stop shop to help you get the retail store insurance coverage 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
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Retail stores insurance

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

It’s all about managing your risk. See the different policies available for retail stores and save up to 10% when you bundle.
General Liability

General Liability

Our general liability coverage meets Amazon’s insurance requirements
General liability insurance covers a wide range of retail store 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 before you can lease a commercial space.
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General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you get in an accident while driving for business purposes.
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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 can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees in your retail store. Choose business owner’s coverage with your policy to protect yourself.
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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 can help protect your retail business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.
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Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses

Save up to 30% on retail store insurance

Choose from three levels of protection to get the coverage you need
Save up to 30% on E-commerce business insurance from Next. If you’re a third-party seller on Amazon, our most popular package, “Pro,” meets Amazon seller insurance requirements

How much does retail store insurance cost?

Retail store insurance quotes vary based on the risks that your business faces, such as:

  • The kinds of products you sell
  • Where your inventory or supplies are located
  • If you have any employees 
  • The types of vehicles you use for work

 

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Insurance cost

Retail store insurance requirements

Retail stores are almost always required to have insurance due to the risk of injury to customers and damage to commercial and private property. You might need insurance to:

  • Start selling and shipping merchandise. Online platforms like Amazon might ask you to have active insurance — usually general liability or workers’ compensation.
  • Hire employees. Most states require workers’ compensation. 
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Frequently asked questions about business insurance

Here are some of the most common questions we get about business insurance for retail stores. 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.

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.

How can Next help me meet Amazon’s seller insurance requirements?

Do I need insurance to sell on Amazon? Yes, Amazon requires some third-party sellers to provide proof that you have general liability insurance with at least $1 million in coverage. You may also be asked to provide a certificate of insurance with Amazon listed as an additional insured. Our general liability coverage meets Amazon’s insurance requirements. We make it easy to get a quote, purchase coverage and access your certificate with our simple online process.  Just be sure to select the “Pro” package when you’re on the quote page so you receive the $1 million per occurrence and $1 million aggregate (per year) limits, as well as the injuries and damages coverage, that Amazon requires. This helps protect your business and Amazon from financial losses if you are accused of causing an injury or property damage related to whatever you are selling. Amazon asks that you put “Amazon.com, Inc., and its affiliates and assignees” as additional insureds on your policy. How do you know if you qualify for this requirement? If you sell goods in the United States as an Amazon seller with a Pro Merchant account and gross sales of $10,000 a month or more for three months in a row, Amazon requires you to have insurance and may request it.

How do I provide proof of coverage to Amazon?

Amazon might send you a request for a certificate of insurance. If that happens, you must send it to Amazon at: c/o Amazon, P.O. Box 81226, Seattle, WA 98108-1226, Attention: Risk Management. If you have coverage with Next, you can download your certificate as many times as you want, 24/7, at no extra charge. For additional details on Amazon’s insurance and other seller requirements, we recommend checking out Amazon’s Program Policies and the Amazon Services Business Solutions Agreement before you get started.  This will help you understand expectations of you as a seller.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is login to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.