Next Insurance

RETAIL STORE INSURANCE

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

Retail insurance
Retail store insurance

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

You can save up to 25% in discounts on retail store insurance

If you’re a third-party seller on Amazon, our most popular package, “Pro,” meets Amazon seller insurance requirements

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
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 two or more of our policies.
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 by retail platforms like Amazon before you can begin selling online.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)

Professional Liability (E&O)

Bought by 80% of business owners like you
Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of not honoring a refund on an expensive necklace, it could help cover related expenses to defend yourself even if you did nothing wrong.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal 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 scratch another vehicle in the parking lot when arriving at your store.

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. 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 insurance can help protect your 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.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
How much does retail store insurance cost

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

Learn more about retail store insurance costs and coverage.

Retail store insurance requirements

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.

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.

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. If you purchase through Amazon, you will automatically have a certificate of insurance created at time of purchase.

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 log in 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?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account and require help from our support team, please visit our online help center.

What customers say about us

Love it!

All I can do is express gratitude, thank you!

Malcolm H.

11/21/2022

Excellent

Excellent

Altamease N.

11/21/2022

Easy & Affordable

All restaurants from my new retail space literally signed on and within 10 minutes I had insurance excellent easy to use web presence along with great prices

Anna S.

11/16/2022

Fast service

Thank you for the fast service. Made the process easy with so many other items to be caught up with opening a new business!!

Josephine G.

11/8/2022

NEXT INSURANCE REVIEW

This company has great rates, and is very easy to deal with. I highly recommend them.

Michael H.

11/4/2022

Easy & Convenient

Easy & Convenient

AnaLisa G.

11/3/2022

Chat worked well

easy and was able to get all my questions answered by chat

Zachary H.

9/16/2022

Pleasant and I could understand

Pleasant and I could understand her easily

Dennis C.

8/21/2022

Fast and easy

Fast and easy

Michael E.

8/19/2022

Chief Executive Officer

NEXT is unbelievable, fast, reduced cost tremendously and sufficient having a certification in minutes.

Benitra S.

7/26/2022

Great service! Quick responses! Lower

Great service! Quick responses! Lower prices! Amazing!

Patrice W.

7/23/2022

Fast and Easy!

Highly recommend!

Brandon F.

5/19/2022

Great for me as I

Great for me as I am starting a business..

David B.

5/8/2022

Very easy to get insuarance

Tanks firmó be so easy to get whit you my insuarance

Silvia M.

5/6/2022

So easy !

I needed liability & property insurance for my skincare company. Easy website & great service too!

Melanie T.

3/14/2022

Excellent costumer service

Excellent costumer service

Paul R.

2/26/2022

Great service

Great service, Great prices.

Deanna A.

2/11/2022

Very simple to use

Up to this point I am completely happy and satisfied. Super easy to sign up and make changes and corrections even after the policy has been issued. I hope I never need them but if ...

Edward C.

2/6/2022

Business general liability

Great coverage, fast, easy and affordable.

John C.

12/24/2021

REVIEW FOR NEXT INSURANCE

NEW MARKET WHICH WE HAVE BEEN NEEDING FOR A LONG TIME . pREMIUM S ARE GREAT ,APPS SIMPLE AND EASY TO USEA TIME SAVERAND ISSUE AT TIME OF QUOTING. i REALLY LIKE THIS.

WILLIAM M.

12/17/2021

Love it!

All I can do is express gratitude, thank you!

Malcolm H.

11/21/2022

Excellent

Excellent

Altamease N.

11/21/2022

Easy & Affordable

All restaurants from my new retail space literally signed on and within 10 minutes I had insurance excellent easy to use web presence along with great prices

Anna S.

11/16/2022

Fast service

Thank you for the fast service. Made the process easy with so many other items to be caught up with opening a new business!!

Josephine G.

11/8/2022

NEXT INSURANCE REVIEW

This company has great rates, and is very easy to deal with. I highly recommend them.

Michael H.

11/4/2022

Easy & Convenient

Easy & Convenient

AnaLisa G.

11/3/2022

Chat worked well

easy and was able to get all my questions answered by chat

Zachary H.

9/16/2022

Pleasant and I could understand

Pleasant and I could understand her easily

Dennis C.

8/21/2022

Fast and easy

Fast and easy

Michael E.

8/19/2022

Chief Executive Officer

NEXT is unbelievable, fast, reduced cost tremendously and sufficient having a certification in minutes.

Benitra S.

7/26/2022

Great service! Quick responses! Lower

Great service! Quick responses! Lower prices! Amazing!

Patrice W.

7/23/2022

Fast and Easy!

Highly recommend!

Brandon F.

5/19/2022

Great for me as I

Great for me as I am starting a business..

David B.

5/8/2022

Very easy to get insuarance

Tanks firmó be so easy to get whit you my insuarance

Silvia M.

5/6/2022

So easy !

I needed liability & property insurance for my skincare company. Easy website & great service too!

Melanie T.

3/14/2022

Excellent costumer service

Excellent costumer service

Paul R.

2/26/2022

Great service

Great service, Great prices.

Deanna A.

2/11/2022

Very simple to use

Up to this point I am completely happy and satisfied. Super easy to sign up and make changes and corrections even after the policy has been issued. I hope I never need them but if ...

Edward C.

2/6/2022

Business general liability

Great coverage, fast, easy and affordable.

John C.

12/24/2021

REVIEW FOR NEXT INSURANCE

NEW MARKET WHICH WE HAVE BEEN NEEDING FOR A LONG TIME . pREMIUM S ARE GREAT ,APPS SIMPLE AND EASY TO USEA TIME SAVERAND ISSUE AT TIME OF QUOTING. i REALLY LIKE THIS.

WILLIAM M.

12/17/2021

Love it!

All I can do is express gratitude, thank you!

Malcolm H.

11/21/2022

Excellent

Excellent

Altamease N.

11/21/2022

Easy & Affordable

All restaurants from my new retail space literally signed on and within 10 minutes I had insurance excellent easy to use web presence along with great prices

Anna S.

11/16/2022

Fast service

Thank you for the fast service. Made the process easy with so many other items to be caught up with opening a new business!!

Josephine G.

11/8/2022

NEXT INSURANCE REVIEW

This company has great rates, and is very easy to deal with. I highly recommend them.

Michael H.

11/4/2022

Easy & Convenient

Easy & Convenient

AnaLisa G.

11/3/2022

Chat worked well

easy and was able to get all my questions answered by chat

Zachary H.

9/16/2022

Pleasant and I could understand

Pleasant and I could understand her easily

Dennis C.

8/21/2022

Fast and easy

Fast and easy

Michael E.

8/19/2022

Chief Executive Officer

NEXT is unbelievable, fast, reduced cost tremendously and sufficient having a certification in minutes.

Benitra S.

7/26/2022

Great service! Quick responses! Lower

Great service! Quick responses! Lower prices! Amazing!

Patrice W.

7/23/2022

Fast and Easy!

Highly recommend!

Brandon F.

5/19/2022

Great for me as I

Great for me as I am starting a business..

David B.

5/8/2022

Very easy to get insuarance

Tanks firmó be so easy to get whit you my insuarance

Silvia M.

5/6/2022

So easy !

I needed liability & property insurance for my skincare company. Easy website & great service too!

Melanie T.

3/14/2022

Excellent costumer service

Excellent costumer service

Paul R.

2/26/2022

Great service

Great service, Great prices.

Deanna A.

2/11/2022

Very simple to use

Up to this point I am completely happy and satisfied. Super easy to sign up and make changes and corrections even after the policy has been issued. I hope I never need them but if ...

Edward C.

2/6/2022

Business general liability

Great coverage, fast, easy and affordable.

John C.

12/24/2021

REVIEW FOR NEXT INSURANCE

NEW MARKET WHICH WE HAVE BEEN NEEDING FOR A LONG TIME . pREMIUM S ARE GREAT ,APPS SIMPLE AND EASY TO USEA TIME SAVERAND ISSUE AT TIME OF QUOTING. i REALLY LIKE THIS.

WILLIAM M.

12/17/2021

Love it!

All I can do is express gratitude, thank you!

Malcolm H.

11/21/2022

Excellent

Excellent

Altamease N.

11/21/2022

Easy & Affordable

All restaurants from my new retail space literally signed on and within 10 minutes I had insurance excellent easy to use web presence along with great prices

Anna S.

11/16/2022

Fast service

Thank you for the fast service. Made the process easy with so many other items to be caught up with opening a new business!!

Josephine G.

11/8/2022

NEXT INSURANCE REVIEW

This company has great rates, and is very easy to deal with. I highly recommend them.

Michael H.

11/4/2022

Easy & Convenient

Easy & Convenient

AnaLisa G.

11/3/2022

Chat worked well

easy and was able to get all my questions answered by chat

Zachary H.

9/16/2022

Pleasant and I could understand

Pleasant and I could understand her easily

Dennis C.

8/21/2022

Fast and easy

Fast and easy

Michael E.

8/19/2022

Chief Executive Officer

NEXT is unbelievable, fast, reduced cost tremendously and sufficient having a certification in minutes.

Benitra S.

7/26/2022

Great service! Quick responses! Lower

Great service! Quick responses! Lower prices! Amazing!

Patrice W.

7/23/2022

Fast and Easy!

Highly recommend!

Brandon F.

5/19/2022

Great for me as I

Great for me as I am starting a business..

David B.

5/8/2022

Very easy to get insuarance

Tanks firmó be so easy to get whit you my insuarance

Silvia M.

5/6/2022

So easy !

I needed liability & property insurance for my skincare company. Easy website & great service too!

Melanie T.

3/14/2022

Excellent costumer service

Excellent costumer service

Paul R.

2/26/2022

Great service

Great service, Great prices.

Deanna A.

2/11/2022

Very simple to use

Up to this point I am completely happy and satisfied. Super easy to sign up and make changes and corrections even after the policy has been issued. I hope I never need them but if ...

Edward C.

2/6/2022

Business general liability

Great coverage, fast, easy and affordable.

John C.

12/24/2021

REVIEW FOR NEXT INSURANCE

NEW MARKET WHICH WE HAVE BEEN NEEDING FOR A LONG TIME . pREMIUM S ARE GREAT ,APPS SIMPLE AND EASY TO USEA TIME SAVERAND ISSUE AT TIME OF QUOTING. i REALLY LIKE THIS.

WILLIAM M.

12/17/2021

Get customized insurance wherever you do business

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More professions that are covered by NEXT

Toy Store, Medical Supplies Store, Luggage Store, Hobby Shop, Candy Store, Arts and Crafts Store, Laundromat, Candle Store, Jewelry Store, Furniture Store, Hardware Store, Convenience Store, Pawn Shop, Bike Shop, Clothing Store, Amazon Seller, Fabric Store, Florist, Electronics Store, Bookstore, E-commerce, Retail 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.
What we cover

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© 2022 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.