Retail Store Insurance
Tailored coverage for new and existing retail shops.
Choose your primary coverage to get started:
Retail store insurance can help protect you from:
Theft
Your business has broken windows, a broken door and inventory was stolen. You need to replace and repair — fast.
Fire and wind
Broken pipes and flames can severely damage business furniture and fixtures. You need help to open your doors.
Destroyed products or inventory
If your products or inventory get wiped out, the right coverage can help make you whole.
Lost business income
If you need to close for repairs after a covered event, insurance can help cover your financial losses.
Retail store insurance tailored for you
NEXT specializes in small business insurance. We help protect hundreds of thousands of businesses in 1,300+ professions. And we make it fast, easy and affordable to protect your business with the insurance you need.
With NEXT, you can:
- Get a free quote and buy online in about 10 minutes.
- Manage your policy and get immediate proof of insurance, 24/7.
- Find help when you need it.
- Pay as you go and cancel anytime.
Sold! Only the retail shop business insurance you need
Answer a few questions online and we’ll help you choose the right business insurance package for your retail shop. Your customized coverage may include one or more of these policies.
General Liability insurance
Protection for customer injuries and damage to other people's property
General liability covers a range of retail store business accidents and risks. It can help with financial protection if someone other than an employee gets hurt or you damage someone else’s property.
general liability can help you pay for:
Slip-and-fall injuries
Damage to someone else’s property
Medical payments for someone hurt at your shop
Workers' Compensation insurance
Often required to help protect employees from work-related illness or injury
Workers’ comp coverage can help pay for medical expenses and lost wages after a workplace injury — and it’s often required if you have employees. Owner’s coverage can also help protect you.
workers compensation can help you pay for:
Medical expenses and permanent injury
Lost wages and job retraining
Employer’s liability in the event of legal action against you
Commercial Property insurance
Protect your gear, goods, business inventory and the building you own for business
Commercial property coverage can help protect the items you need to run your retail store, including inventory, furniture, fixtures and the property that you own. It can also help with equipment breakdowns and replace lost income if you suddenly have to close your business for repairs.
commercial property can help you pay for:
Damage from fire and windstorms
Broken and damaged property from theft and vandalism
Business income interruption if you have to close temporarily
Product Liability insurance
Coverage for retail and e-commerce businesses that source, make or sell products
Product liability coverage — included in general liability insurance — can help protect your small business from losses if a customer says that an issue with your product caused them injury or property damage.
product liability can help you pay for:
Property damage if a defect with your product causes harm
Costs if a default with your product causes injury
Legal fees if you have to defend yourself for faulty products
BOP Insurance (Business Owner’s Policy)
General Liability coverage plus Commercial Property coverage in one affordable package
A BOP can do a lot. General liability can help if someone gets injured or damages someone’s property. But only commercial property can help cover damage like vandalism and fire to property you own, or the loss of your products and inventory from theft. Combine them both into one policy for more coverage at a special price.
business owners policy can help you pay for:
Slip-and-fall injuries (bodily injury)
Damage to a client’s property
Broken and damaged property from theft and vandalism
Save up to 25% on retail store business insurance*
Pay monthly or annually, and you can cancel anytime.
Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Professional Liability (E&O)
Per occurrence
$250,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does retail store insurance cost?
The insurance quote on business insurance coverage is based on several factors, including:
- Your type of business
- Your number of employees
- Where your work
- The types of jobs you do
- The vehicle you use for business
Get a free, instant quote to see your exact price in about 10 minutes.
Is a retail store insurance policy required?
Retail business insurance is almost always required. State, city and professional requirements vary.
Small business insurance can help you:
- Sell and ship merchandise. Some online platforms (like Amazon) might ask you to have active insurance — usually general liability or workers’ comp.
- Hire employees. Most states require workers’ compensation to help protect employees from injury or illness.
- Drive for business. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace property after a covered event. Protect your inventory, equipment and the building you lease or own.
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.
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.How can I get a certificate of insurance (COI)?
Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
How do you file an insurance claim with NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Get custom retail store insurance wherever you do business
Learn more about retail store insurance options in your state.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
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, Toy Store
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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.