ERGO 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.
Choose your profession for more information or start an instant quote and get covered fast
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.
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.
Learn more about General liability for retail businesses.
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.
You can save up to 25% in discounts when you buy retail business insurance with ERGO NEXT. The exact amount you pay will depend on:
Get covered in 10 minutes and you can save up to 25% in discounts*
Coverage that grows with you and easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor
Workplace injuries happen more frequently than you might think, especially in your line of work. Workers’ comp insurance for retail 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.
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.
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.
If you own a retail or e-commerce small business that sells, makes, repairs or distributes physical items, you should probably get product liability insurance. Product liability coverage — which is included in general liability insurance — 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. A consumer can bring a lawsuit against any manufacturer or seller if they allege that your product caused an injury because of a defect. The defect could be in:
As a retailer, you can be held liable for defective products even if you were not involved in the design, manufacturing or marketing.
