Retail store Insurance in South Dakota

Retail store insurance that's made for your South Dakota business

We’re dedicated to helping you get the retail store insurance coverage you need to protect your business from accidents, injuries, property damage and legal fees. Popular insurance bundles for retail store business in South Dakota include:

General liability

Professional liability

Commercial property

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We specialize in providing the right type of retail store insurance for small businesses in South Dakota

NEXT is made for entrepreneurs, hustlers and retail store business owners in South Dakota who like to stay covered and save money.

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)

Bought by 80% of business owners like you

Professional liability insurance can help you move on quickly if a customer claims you made a mistake — whether you did or not. It help you avoid customer confrontations and protect your retail store business reputation.

Professional Liability (e&o) can help you pay for:

Legal defense costs

Legal judgments

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Commercial Property

For business owners who own or rent physical spaces

Commercial property coverage helps protect almost all of the physical items you need to run your retail store business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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How much does retail store insurance in South Dakota cost?

retail store insurance costs vary based on the risks that your business faces, such as:

Where you work

The kind of work you do

Your payroll and the kinds of jobs your employees do

The number and types of vehicles you use at work

retail store business in South Dakota typically pays about $17 each month for a business insurance policy.

You can save up to 30%, depending on the kind of work you do. More risky professions can expect to pay more.

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Why does a retail store in South Dakota need business insurance?

A retail store business in South Dakota needs insurance to help stay protected from financial losses after an accident. It can also offer protection from costs related to business disagreements, and it can help you qualify for licenses. You might need insurance to:

Align with industry standards and state requirements for a retail store business.
Change with your business as you experience fluctuations.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

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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 South Dakota?

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

Does NEXT Insurance offer General Liability coverage for retail store business in South Dakota?

Yes, NEXT Insurance offers General Liability, Professional Liability, Commercial Property coverage for retail store business in South Dakota.

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 or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Retail store Insurance in South Dakota

Retail store insurance that's made for your South Dakota business

Save up to 30% on retail store business insurance in South Dakota