Retail Insurance in California

Protect inventory at your store, e-commerce shop, home business or warehouse.

Choose your primary coverage to get started:

Business Owner’s Policy

General Liability

Commercial Property

Product Liability

Cyber Insurance

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Retail insurance can help protect you from:

Theft and vandalism

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.

Lost business income

When you need to close for repairs after a covered event, insurance can help cover your financial losses.

Destroyed products or inventory

If your products or inventory get wiped out, the right coverage can help make you whole.

California retail store insurance that's customized just for you

California retail store insurance customized for your small business

NEXT has easy, tailored and affordable business insurance to help protect your California retail store — from Los Angeles to San Francisco and everywhere else.

We help protect over 1,300 types of businesses from liability, injuries, professional mistakes, property damage, inventory loss and more.

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.
Get help when you need it.
Pay as you go and cancel anytime.

Save up to 25% on retail store business insurance in California*

Pay monthly or annually, and you can cancel anytime.

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

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’re held responsible for damaging someone else’s property.

general liability can help you pay for:

Slip-and-fall injuries

Damage to a client’s property

Medical payments for someone hurt at your shop

Commercial Property insurance

Protect your gear, goods, business inventory and the building you own for business

Commercial property coverage helps protect the items you need to run your retail store business, 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 insurance plus Commercial Property insurance in one affordable package

A BOP can do a lot — and help you save on business insurance. Many small business owners know they need general liability coverage in case they injure someone or damage someone’s property. But only commercial property can cover damage to your property such as vandalism and fire, 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

Damage to a client’s property

Broken and damaged property from theft and vandalism

How much does retail store insurance cost in California?

The price of business insurance is based on several factors, including:

If you have employees
Where your work
The type of job you do
The vehicle you use for business

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

Answer a few questions to see your exact price in about 10 minutes.

California retail store business insurance FAQ

If you don’t find answers here, our licensed, U.S.-based insurance advisors are standing by to help.

What are some examples of business insurance protection for retail stores?

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 policy could help pay for the damages.

Accidents that hurt someone

A customer falls and breaks their arm inside your retail store. Your coverage 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. Insurance can 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.

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’ll contact you shortly 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.