Coverage that protects your store and keeps you selling
Customer injuries
Someone slips, trips or gets hurt in your store.**
Product liability
A product you sold causes harm to a customer’s health or damages their property.
Property and inventory damage
A covered event such as a fire, theft or burst water pipe damages your inventory, equipment or space.
Business interruption
A covered incident forces you to close temporarily and lose income.
Get retail store insurance that’s fast, flexible and convenient
Running a retail store comes with everyday risks — from customer injuries to damaged inventory or property. Retail store insurance can help protect your business from these unexpected events so you can keep things running smoothly.
With ERGO NEXT, you can:
- Get a quote and buy 100% online in about 10 minutes
- Get covered and access proof of insurance instantly
- Manage your policy anytime, 24/7
ERGO NEXT specializes in business insurance for retail shops
It’s all about managing your risk. See the different policies available for retail stores and save up to 10% when you bundle two or more of our policies.
Business Owner’s Policy
General liability and commercial property coverage combined in one convenient package. General liability can help if someone gets injured or damages property, while commercial property can help cover your building, equipment, and inventory from risks like fire or theft.
General Liability
General liability covers a range of retail store business accidents and risks. It can help with financial protection if someone other than an employee gets hurt or you damage someone else’s property.
Commercial Property
Commercial property coverage can help protect the items you need to run your retail store, including inventory, furniture, fixtures and the property that you own. It can also help with equipment breakdowns and replace lost income if you suddenly have to close your business for repairs.
Workers’ Compensation
Workers’ comp coverage can help pay for medical expenses and lost wages after a workplace injury — and it’s often required if you have employees. Owner’s coverage can also help protect you.
Frequently asked questions about business insurance
Here are some of the most common questions we get about business insurance for retail stores. 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.
What are some examples of types of business insurance protection for retail shops?
NEXT’s retail shop policies can help protect your business from a variety of risks and financial losses related to:
Damage to someone else’s property
The paint you sell on Amazon explodes in a customer’s bedroom, ruining the carpet and drapes. Your general liability policy could help pay for the damages.**Accidents that hurt someone
A customer falls and breaks their arm inside your retail store. Your general liability coverage or BOP insurance could help pay for medical costs and legal fees.Damage to your own property and inventory
Vandals tag your storefront, break a window and steal some business laptops and products. Commercial property insurance could help with replacement or repair.Accidents involving your business vehicles
You have a fender bender on the way to a client’s office. Commercial auto insurance could help pay for the damages.Workplace illness or injuries
Your employee falls off a step stool and twists an ankle — and now you’re down a worker for several weeks. Workers’ compensation insurance can help cover medical bills and lost wages.Do I need insurance to sell on Amazon?
Yes, Amazon requires some third-party sellers to provide proof that you have general liability insurance with at least $1 million in coverage. You may also be asked to provide a certificate of insurance with Amazon listed as an additional insured.
Our general liability coverage meets Amazon’s insurance requirements. We make it easy to get a quote, purchase coverage and access your certificate with our simple online process.
Just be sure to select the “Pro” package when you’re on the quote page so you receive the $1 million per occurrence and $1 million aggregate (per year) limits, as well as the injuries and damages coverage, that Amazon requires.
This helps protect your business and Amazon from financial losses if you are accused of causing an injury or property damage related to whatever you are selling.
Amazon asks that you put “Amazon.com, Inc., and its affiliates and assignees” as additional insureds on your policy.
If you purchase through Amazon, you will automatically have a certificate of insurance created at time of purchase.
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.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
