Smart insurance for retail store business in West Virginia
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
You can save up to 25% on retail store business insurance in West Virginia
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
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 retail store business insurance in West Virginia that's just the right fit
We offer customized retail store insurance policies to small businesses and the self-employed in West Virginia. Oh, and you save up to 10% when you bundle two or more policies.
General Liability
Our general liability coverage meets Amazon’s insurance requirements
General liability insurance provides financial protection if an accident happens at your retail store business, such as a customer injury or damages to someone’s property. It also provides coverage if you have to defend an accusation of libel or slander.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
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 can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
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
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance can help protect your retail store business equipment, inventory and even the building itself if you own it. If your retail store business property is damaged due to a covered event, such as a burst water pipe or fire, commercial property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
How much should a retail store like me expect to pay for insurance in West Virginia?
Since every retail store business in West Virginia has unique circumstances, the price of business insurance varies. There are a number of factors that we take into consideration when provide an instant quote online, including:
- If you work by yourself or have employees
- Where your work sites are located
- The kind of jobs you usually perform
Business insurance for retail store business in West Virginia can cost as little as $17 per month.
We’ll make this quick. With NEXT, you can get a quote and buy business insurance in less than 10 minutes.
Why does a retail store in West Virginia need business insurance?
A retail store business in West Virginia 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.
- Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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 West Virginia?
Yes, NEXT Insurance offers tailored retail store business insurance in West Virginia.
Does NEXT Insurance offer Commercial Property coverage for retail store business in West Virginia?
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Commercial Property coverage for retail store business in West Virginia.
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.
Get customized insurance wherever you do business
Learn more about insurance options in the states where you work.
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More professions that are covered by NEXT
Toy Store, Medical Supplies Store, Luggage Store, Hobby Shop, Candy Store, Arts and Crafts Store, Laundromat, Candle Store, Jewelry Store, Furniture Store, Hardware Store, Convenience Store, Pawn Shop, Bike Shop, Clothing Store, Amazon Seller, Fabric Store, Florist, Electronics Store, Bookstore, E-commerce, Retail 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.