Retail Store Insurance

Tailored coverage for new and existing retail shops

Choose your primary coverage to get started:

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Retail store insurance can help protect you from:

Theft

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.

Destroyed products or inventory

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

Lost business income

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

Retail store insurance tailored for you

NEXT specializes in small business insurance. We help protect hundreds of thousands of businesses in 1,300+ professions. And we make it fast, easy and affordable to protect your business with the insurance you need.

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

Sold! Only the retail shop business insurance you need

Answer a few questions online and we’ll help you choose the right business insurance package for your retail shop. Your customized coverage may include one or more of these policies.

General Liability insurance

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 damage someone else’s property.

general liability can help you pay for:

Slip-and-fall injuries

Damage to someone else’s property

Medical payments for someone hurt at your shop

Workers' Compensation insurance

Often required to help protect employees from work-related illness or injury

Workers’ comp coverage can help pay for medical expenses and lost wages after a workplace injury — and it’s often required if you have employees. Owner’s coverage can also help protect you.

workers compensation can help you pay for:

Medical expenses and permanent injury

Lost wages and job retraining

Employer’s liability in the event of legal action against you

Commercial Property insurance

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

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

A BOP can do a lot. General liability can help if someone gets injured or damages someone’s property. But only commercial property can help cover damage like vandalism and fire to property you own, 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 (bodily injury)

Damage to a client’s property

Broken and damaged property from theft and vandalism

Save up to 25% on retail store business insurance*

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

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does retail store insurance cost?

The insurance quote on business insurance coverage is based on several factors, including:

Your type of business
Your number of employees
Where your work
The types of jobs you do
The vehicle you use for business

Get a free, instant quote to see your exact price in about 10 minutes.

Is a retail store insurance policy required?

Retail business insurance is almost always required. State, city and professional requirements vary.

Small business insurance can help you:

Sell and ship merchandise. Some online platforms (like Amazon) might ask you to have active insurance — usually general liability or workers’ comp.
Hire employees. Most states require workers’ compensation to help protect employees from injury or illness.
Drive for business. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property after a covered event. Protect your inventory, equipment and the building 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.

What are some examples of types of business insurance protection for retail shops?

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 general liability policy could help pay for the damages.**

Accidents that hurt someone

A customer falls and breaks their arm inside your retail store. Your general liability coverage or BOP insurance 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. Commercial property insurance could 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 ERGO 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.

How do you file an insurance claim with ERGO 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.