Toy Store Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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Toy store insurance can help protect you from:

Theft

Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.

Product liability

A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.

Advertising injury

A competitor sues you claiming that you copied the "look and feel" of their product listing.

Cyber

Criminals hack your store's site, and now your customers' payment information is compromised.

Toy store insurance tailored for your business

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

Workers’ Compensation
Commercial Property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different toy store business insurance policies available and save up to 10% when you bundle two or more of our policies.

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if your candy store business has employees. Choose business owner’s coverage with your policy to protect yourself.

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 coverage helps protect almost all of the physical items you need to run your toy 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

See what our customers have to say about NEXT

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

Small business insurance

I thought next was easy to use, great rates and outstanding follow-up.

Taylor M.

Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

Deborah H.

Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.

Myles C.

Great!

Hassle free and great to work with. Affordable.

Anthony G.

Peace of mind

easy to apply and and customer service is very responsive

Darrell W.

Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

Ronald M.

Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

Annick L.

The best service.

Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others

JOEL C.

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

You can save up to 25% in discounts on toy store insurance

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

Basic

Lowest Price

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

Cost of toy store insurance

NEXT makes sure that a toy store business gets the right coverage for the most competitive rates. Policies are customized for you so they:

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

Your toy 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.

Toy store insurance requirements

Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

Help pay for accidents that cause damage to property that isn’t yours.
Defend yourself if you’re accused of making a mistake that causes someone to lose money.
Hire employees. Most states require workers’ compensation insurance if you have employees.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about toy store business insurance

Here are some of the most common questions we get about toy store 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 workers' compensation coverage for toy stores?

Yes, NEXT Insurance offers workers’ compensation and commercial property coverage for toy stores.

Does NEXT Insurance offer commercial property coverage for toy stores?

Yes, NEXT Insurance offers commercial property insurance and workers’ compensation coverage for toy stores.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO 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 ERGO 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.