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Retail Insurance

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Retail Insurance

Customized retail insurance designed for your business

Next Insurance is a one-stop shop for retail business insurance. Whether you need a certificate of insurance to lease a commercial space or workers’ compensation for a new employee, we customize coverage for brick-and-mortar, online businesses and Amazon third-party sellers. Oh, and you’ll save 10% when you bundle two or more of our policies.

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We specialize in business insurance for physical and online retail businesses

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Amazon seller, Bike shop, Clothing store, Convenience store, E-commerce, Retail store, Bookstore, Candle store, Electronics store, Fabric store, Florist, Furniture store, Hardware store, Jewelry store, Laundromat, Pawn shop, Other,

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Customized business insurance to protect you and your clients.
Business insurance in less than 10 minutes
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Instant proof of insurance and easy monthly payments
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Certificate of Insurance

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How much does business insurance cost

How much does retail insurance cost?

You can save up to 30% when you buy retail business insurance with Next. The exact amount you pay will depend on: 

  • The types of products or services you offer
  • Where your store is located and whether you sell products online
  • Your payroll and the kinds of jobs our employees do
  • The number and types of vehicles you use at work
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Dedicated small business insurance

Why do retail businesses need insurance?

Business insurance offers you protection from a wide range of unexpected events and accidents, from an employee injury to a crash involving your work vehicle

As a retail business owner, you’re sometimes required to have insurance to get business licenses and to sell goods and services. It’s required by retail platforms like Amazon once you sell $10,000 a month for three consecutive months. With the right coverage, you can do your work and focus on the job at hand without worrying about those pesky “what if” scenarios.

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How retail liability insurance protects your business

Retail liability insurance can help cover costs if you find yourself in the unfortunate situation of being accused of causing an injury or damaging a customer’s property, or if someone says that your work mistake caused financial losses. 

We combine two types of liability insurance in our business insurance packages:

General liability is the basis of business insurance coverage for retail business owners. Given how many customers will go in and out of your store each day, it’s probably not hard to imagine that at some point you could cause or be blamed for a customer slipping and falling on a wet floor, or for a product malfunction that leads to an injury

Product liability insurance — which is included in general liability — can protect your retail business from having to pay for legal fees if a customer says that an issue with your product caused them injury or property damage.

Our general liability coverage meets Amazon’s insurance requirements.

Professional liability insurance (also known as errors and omissions), covers you for cases where you are accused of not having done your job properly, whether that’s true or not. If someone thinks you didn’t deliver the services you agreed to provide, they can make a claim that it has to be redone. Your coverage will help pay for costs to defend your business or fix the problem.

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Other important business insurance coverage for retail stores

Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your employees, your vehicles and your business property.

We typically recommend: 

Workers' Compensation Insurance
Workers’ Compensation for retail businesses

Workplace injuries happen more frequently than you might think, especially in your line of work. Workers’ comp makes those situations easier by helping to pay for medical bills for injuries and illnesses that happen to you or your employees while on the job. Workers’ comp can also help to cover lost wages while recuperating from accidentally dropping a heavy box on your foot while restocking shelves

This coverage is required for businesses with employees in every state except Texas.

Learn more about workers’ comp.

Commercial Auto Insurance
Commercial Auto insurance for retail businesses

You’ll need commercial auto insurance in most states if you own work vehicles that are titled to your business. 

You can use a commercial auto policy to insure your personal vehicle if you use that vehicle for your business, but you can’t apply your personal car insurance to your company car. So if you drive your own car to pick up shipments for your store, it probably won’t be covered under your personal car insurance. 

Learn more about commercial auto.

Commercial Property Insurance
Commercial Property insurance for retail businesses

Retail business owners who own or rent physical spaces will need property insurance to help protect business equipment, inventory and furniture. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs. 

Learn more about commercial property.

Frequently asked questions about retail 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 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, 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.

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