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