Retail Insurance
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Retail business insurance for online and brick-and-mortar
NEXT specializes in small business insurance for 1,300+ professions, including retail shops and online retailers. We make it easy to get tailored business insurance for any retailer online or on the street.
In about 10 minutes you can get a free quote, choose your options, buy online and get sharable proof of insurance. Modify your policy 24/7 via web or mobile app.
NEXT specializes in business insurance for retailers
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How retail liability insurance protects your business
Retail liability insurance can be required by your city, state or profession. Even if it’s not mandatory, business insurance for your retail store can help cover costs if:
- You injure a non-employee or damage someone else’s property.
- Someone says that your professional mistake caused a financial loss.
- A fire, theft or vandalism damages your business.
- A covered event, such as a burst pipe, damages your products, business gear, equipment and inventory.**
Retails most often purchase these types of insurance:
General Liability insurance for retail
A general liability insurance policy can help protect you from expenses related to accidental damage to property you don’t own or an injury to someone who’s not an employee (such as customer slip-and-fall injuries).
This type of liability insurance could provide financial help for medical payments, legal fees and judgments.
Learn more about General Liability insurance.
Commercial Property insurance for retail
This can help protect your business property, such as gear, goods, business inventory and the building you own for business in the event of fire, theft and vandalism.
It can also help protect business inventory, furniture and fixtures you own. Equipment breakdowns and lost income may also be covered if you suddenly have to close business for repairs.
Learn more about Commercial Property insurance.
Product Liability insurance for retail
Consider this coverage if you source, make or sell products.
Product liability coverage — included in general liability insurance — can help protect your small business from losses if a customer says that an issue with your product caused them injury or property damage.
How much does retail business insurance cost?
You can save up to 25% in discounts if you buy retail insurance with NEXT. Your insurance cost can vary based on a number of factors, including:
- Your line of work.
- The location of your business.
- Your number of employees, if you have them.
- Your claims history.
- Annual business revenue.
Get a free retail insurance quote on just the right coverage. Small business owners will know exactly what their business will pay in about 10 minutes. And you can buy, get proof of insurance and access your policy 24/7.
Retail business insurance that’s fast, easy and affordable
Customized business insurance to protect you and your clients.
Fast. Get covered online in about 10 minutes and get 24/7 access to your policy.
Easy. Set up monthly or annual payments, and get unlimited proof of insurance at no additional cost.
Affordable. Competitive rates for coverage, and you can save up to 25% in discounts.
Other important types of business insurance coverage for retailers
A workers’ comp insurance policy can help make work-related accidents and injuries easier. Coverage from an insurance company can help pay for medical bills from employee injuries, lost wages while recuperating and more.
It is required in most states if you have employees.
If you own or drive a vehicle for work, personal auto insurance doesn’t usually provide coverage if, say, you cause a collision on the way to a client’s office.
Most states require a commercial auto insurance policy for business-owned vehicles to help pay for medical expenses and property damage after an accident.
BOP insurance combines all of the coverage of both general liability and commercial property insurance into a single comprehensive package that’s often more affordable than buying two separate policies.
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Retail insurance FAQ
Can I get a retail insurance quote online?
How can I get a certificate of insurance (COI)?
How do you file an insurance claim with NEXT?
