Retail store Insurance in Tennessee

Business insurance designed for retail store business in Tennessee

NEXT makes business insurance unbelievably easy and affordable. Our coverage is tailored for retail store business so you know you’re getting coverage that was designed with you in mind. Insurance coverage for retail store business in Tennessee often include:

General liability

Professional liability

Commercial auto

Workers’ compensation

Commercial property

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Easily find a custom Tennessee 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 Tennessee.

General Liability

Bought by 95% of business owners like you

General liability insurance is included in most business insurance packages, including retail store business, because it covers the risks that many business owners face every day. It’s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.

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 to pay for damages and lawsuit costs if you or your retail store business is accused of work errors or incomplete projects that cause a client to lose money.

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

Legal defense costs

Legal judgments

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Commercial Auto

For business owners who own or drive vehicles

Commercial auto insurance is essential if you have vehicles that are titled to your retail store business that you or your employees drive. Your personal car insurance policy probably won’t be enough to cover your work-related driving accidents.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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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

For business owners who own or rent physical spaces

Commercial property insurance helps to protect the items you need to run your retail store business, including your inventory, equipment, furniture, fixtures and even the space that you lease or property that you own. If a fire damages a wall at your store and you have to close for six weeks during repairs, you’ll be glad you have commercial property.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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Cost of retail store insurance in Tennessee

NEXT makes sure that a retail store in Tennessee gets the right coverage for the most competitive rates. Policies are customized for you based on:

Your work experience
Your claims history
How many vehicles you use for work
How many employees you have

A retail store business in Tennessee can pay as little as $13 each month for business insurance.

Your retail store business risks can change from time to time and that can impact your insurance needs. We’re here to make sure you always have the right coverage.

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It's easy to get business insurance for your retail store in Tennessee

A retail store business in Tennessee is a busy small business with little time to sweat the details of insurance. NEXT takes the hassle out of insurance by getting rid of jargon and endless phone calls. With NEXT, you can:

Get a quote and buy coverage in less than 10 minutes.

Get proof of insurance when you need it with no waiting around.

Manage your coverage 24/7

Pay as you go and cancel anytime NEXT makes business insurance easy.

You can buy and manage your insurance anytime you want and get back to business fast.

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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 Tennessee?

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

Does NEXT Insurance offer Commercial Auto coverage for retail store business in Tennessee?

Yes, NEXT Insurance offers General Liability, Professional Liability, Commercial Auto, Workers' Compensation, Commercial Property coverage for retail store business in Tennessee.

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 Tennessee

Business insurance designed for retail store business in Tennessee

Save up to 30% on retail store business insurance in Tennessee