Retail Insurance in North Carolina

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

Choose your primary coverage to get started:

Business Owner’s Policy

Business Owner’s Policy

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General Liability Insurance

General Liability

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Commercial Property Insurance

Commercial Property

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Product Liability

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Cyber Liability

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Retail insurance can help protect you from:

Theft and vandalism

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

Fire and wind

Broken pipes and flames can severely damage business furniture and fixtures. You need help to open your doors.
Lost business income

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

Destroyed products or inventory

If your products or inventory get wiped out, the right coverage can help make you whole.
North Carolina retail store insurance customized for your small business

North Carolina retail store insurance customized for your small business

NEXT has easy, tailored and affordable business insurance to help protect your North Carolina retail store — from Charlotte to Raleigh 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 North Carolina*

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
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 North Carolina retail store insurance you need
Answer a few questions online and we can help you choose the right business insurance package for your retail shop in North Carolina. Your custom insurance package may include one or more of these policies.
General Liability insurance

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’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

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

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)

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 North Carolina?

How much does retail store insurance cost in North Carolina?

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 North Carolina can cost as little as $20 per month.

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

North Carolina 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.

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.
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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.
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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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.

** 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.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. 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.