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Retail store Insurance in Rhode Island

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

Smart insurance for retail store business in Rhode Island

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 Rhode Island

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

We’ll help you get the business insurance coverage you need in Rhode Island

It’s all about managing your risk. See the different policies available for retail store business in Rhode Island and save up to 10% when you bundle.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance helps to protect you from unexpected expenses related to many types of accidents that can affect your retail store business. And clients could require that you have general liability coverage as part of contract requirements so they know that you can pay for any accidental injuries or damage related to your work.
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
Learn more
Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers’ compensation insurance helps to make sure workers are taken care of if they’re hurt on the job, while also protecting retail store business owners from significant financial losses after an accident. It’s legally required in most states for businesses with employees.
Workers' Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Learn more
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance covers retail store business property, which can include the repairs, construction and related expenses if you own the building where you do business. And it can help you whether you lease space or own the property where you work.
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

What's the price of retail store insurance in Rhode Island?

The amount of money you can expect to pay for retail store insurance in Rhode Island depends on the kinds of risks your business faces, such as:

  • What kind of work you do
  • Where you work
  • The kind of work your employees do
  • How many vehicles you use for business

Business insurance can cost a retail store business in Rhode Island about $17 a month for basic coverage.

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How important is it for a retail store in Rhode Island to have business insurance?

We know building a small business is an investment. To protect that investment, retail store businesses in Rhode Island need insurance to avoid financial losses. Business insurance can protect your from:

  • Lawsuits. Without insurance, you might have to pay entirely out of pocket after an accident or mistake.
  • Damage to the physical items you need to do business.
  • Claims of work mistakes or negligence.
  • Injuries if an employee gets hurt on the job. Insurance can pay for medical expenses and help cover lost wages.

NEXT is dedicated to helping you find the affordable retail store insurance coverage you need to stay protected, meet legal requirements and satisfy your customers.

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