Retail Insurance in California

Keep your inventory protected — at home and at your warehouse.

Choose your primary coverage to get started:

Business Owner’s Policy

General Liability

Product Liability

Umbrella Insurance

Cyber Insurance

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Retail insurance can help protect you from:

Theft

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

Product liability

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

Advertising injury

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

Cyber

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

California retail store insurance that's customized just for you

NEXT makes it easy for you to save on all the insurance you need to protect your retail store business in California. Business insurance packages for retail store businesses in California often include:

General liability
Professional liability
Commercial property

You can save up to 25% on retail store business insurance in California*

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

Professional Liability (E&O)

Per occurrence

$250,000

Commercial Property

Per occurrence

$25,000

Pro

General Liability

Our general liability coverage meets Amazon’s insurance requirements

General liability insurance covers a wide range of retail store business 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

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance (also known as errors and omissions or indemnity insurance) helps you defend yourself and your retail store business if you’re accused of making a mistake that causes someone to lose money. It could help cover related expenses to defend yourself or address the problem.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance helps to protect the items you need to run your retail store business, including your inventory, equipment, furniture, fixtures and even the space that you lease or property that you own. If a fire damages a wall at your store and you have to close for six weeks during repairs, you’ll be glad you have commercial property.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

How much should a retail store like me expect to pay for insurance in California?

Since every retail store business in California has unique circumstances, the price of business insurance varies. There are a number of factors that we take into consideration when provide an instant quote online, including:

If you work by yourself or have employees
Where your work sites are located
The kind of jobs you usually perform
How many vehicles you use for your business

Business insurance for retail store business in California can cost as little as $19 per month.^†

We’ll make this quick. With NEXT, you can get a quote and buy business insurance in less than 10 minutes.

It's easy to get business insurance for your retail store in California

A retail store business in California is a busy small business with little time to sweat the details of insurance. NEXT takes the hassle out of insurance by getting rid of jargon and endless phone calls. With NEXT, you can:

Get a quote and buy coverage in less than 10 minutes.
Get proof of insurance when you need it with no waiting around.
Manage your coverage 24/7
Pay as you go and cancel anytime NEXT makes business insurance easy.

You can buy and manage your insurance anytime you want and get back to business fast.

Frequently asked questions about retail store business insurance

Here are some of the most common questions we get about retail store 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 retail store business insurance in California?

Yes, NEXT Insurance offers tailored retail store business insurance in California.

Does NEXT Insurance offer Professional Liability coverage for retail store business in California?

Yes, NEXT Insurance offers General Liability, Professional Liability, Commercial Property coverage for retail store business in California.

How does business insurance protect retail stores?

Our retail shop 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 I get a certificate of insurance (COI)?

Once you have a 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 instantly 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.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a consultant business insurance quote online with 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 do you file an insurance claim with 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.

Get customized insurance wherever you do business

Learn more about insurance options in other states

Next Insurance, small business insurance

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, Hobby Shop, Jewelry Store, Laundromat, Luggage Store, Medical Supplies Store, Pawn Shop, Retail Store, Toy Store

* 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.