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Retail store Insurance in Kentucky

Save up to 30% on business insurance
Retail insurance
retail store business

Smart insurance for retail store business in Kentucky

NEXT is 100% dedicated to small businesses and the self-employed. We customize insurance for retail store business so you have the coverage you need to protect your business. Coverage packages often include:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Commercial property
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Save up to 30% on retail store business insurance in Kentucky

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Easily find a custom Kentucky retail store insurance package that's right for you

NEXT specializes in small business insurance, so you can easily find a custom insurance package that’s right for your retail store business in Kentucky.
General Liability

General Liability

Bought by 95% of business owners like you
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
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Professional Liability (e&o)

Professional Liability (e&o)

Bought by 80% of business owners like you
Professional liability insurance protects your retail store business against civil lawsuits and negligence claims related to professional mistakes, whether you actually made them or a client just thinks you did. It can help to cover the cost of defending yourself or reimbursing a client.
Professional Liability (e&o) can help you pay for:
Legal defense costs
Legal judgments
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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
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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
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How much does business insurance cost

How much does it cost to get retail store insurance in Kentucky?

The exact amount that a retail store business can expect to pay for business insurance depends on a number of factors, including:

  • The kind of work you do
  • How many employees you have
  • How long you’ve been in the industry

Business insurance typically costs a retail store business in Kentucky about $13 each month.

You automatically save 10% if you combine more than one type of policy together. For example, if you add a commercial property policy to your existing general liability policy, you’ll save 10% right off the bat.

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retail store insurance requirements in Kentucky

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.
  • Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Everything you want to know about Insurance

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 Kentucky?
Yes, NEXT Insurance offers tailored retail store business insurance in Kentucky.
Does NEXT Insurance offer General Liability coverage for retail store business in Kentucky?
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Commercial Property coverage for retail store business in Kentucky.
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.

Certificate of Insurance

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