Next Insurance

Retail store Insurance in Colorado

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

Retail insurance
Business insurance designed for retail store business in Colorado

Business insurance designed for retail store business in Colorado

NEXT makes business insurance unbelievably easy and affordable. Our coverage is tailored for retail store business so you know you’re getting coverage that was designed with you in mind.  Insurance coverage for retail store business in Colorado often include:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Commercial property

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

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
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
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
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
Get the retail store business insurance in Colorado that's just the right fit
We offer customized retail store insurance policies to small businesses and the self-employed in Colorado. Oh, and you save up to 10% when you bundle two or more policies.
General Liability

General Liability

Our general liability coverage meets Amazon’s insurance requirements
General liability insurance is included in most business insurance packages, including retail store business, because it covers the risks that many business owners face every day. It’s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.

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 can help to pay for damages and lawsuit costs if you or your retail store business is accused of work errors or incomplete projects that cause a client to lose money.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers’ compensation insurance provides a safety net for retail store business owners and their employees after a workplace injury. It can help cover expenses for medical treatment, lost wages and other costs. You’re required to purchase coverage in most states as soon as you hire your first employee.

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 retail store business equipment, inventory and even the building itself if you own it. If your retail store business property is damaged due to a covered event, such as a burst water pipe or fire, commercial 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 should a retail store in Colorado expect to pay for insurance?

How much should a retail store in Colorado expect to pay for insurance?

Your retail store insurance costs in Colorado will be tailored to your business. Several factors will impact the price you pay, including:

  • Your claims history
  • How high you set your limits
  • Your work experience
  • How many people you employ

A retail store in Colorado usually pays about $13  each month for a business insurance policy.

With coverage built for more than 1,300 small business professions, NEXT offers you the right small business insurance at the right price, no matter what you do.

Retail store insurance requirements in Colorado

Retail store insurance requirements in Colorado

Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Help pay for accidents that cause damage to property that isn’t yours.
  • Defend yourself. If you’re accused of making a mistake that causes someone to lose money.
  • Hire employees. Most states require workers’ compensation insurance if you have employees.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

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 Colorado?

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

Does NEXT Insurance offer Commercial Property coverage for retail store business in Colorado?

Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Commercial Property coverage for retail store business in Colorado.

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.

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

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 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.

Get customized insurance wherever you do business

Learn more about insurance options in other states

Certificate of Insurance

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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.
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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.