Retail Insurance in Arizona

Keep your inventory protected — at home and at your warehouse.

Choose your primary coverage to get started:

Business Owner’s Policy

General Liability

Product Liability

Umbrella Insurance

Cyber Insurance

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Retail insurance can help protect you from:

Theft and vandalism

Your business has broken windows, a broken door and inventory was stolen. You need to replace and repair — fast.

Fire and wind

Broken pipes and flames can severely damage business furniture and fixtures. You need help to open your doors.

Lost business income

When you need to close for repairs after a covered event, insurance can help cover your financial losses.

Destroyed products or inventory

If your products or inventory get wiped out, the right coverage can help make you whole.

Tailored, easy and affordable insurance for retail store business in Arizona

NEXT offers a seamless experience with coverage, pricing and customer service that’s designed for retail store business in Arizona. Insurance packages often include:

General liability
Professional liability
Workers’ compensation
Commercial property

You can save up to 25% on retail store business insurance in Arizona*

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

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Professional Liability (E&O)

Per occurrence

$250,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

General Liability

Our general liability coverage meets Amazon’s insurance requirements

General liability insurance is included in most business insurance packages, including retail store business, because it covers the risks that many business owners face every day. It’s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance can help you move on quickly if a customer claims you made a mistake — whether you did or not. It help you avoid customer confrontations and protect your retail store business reputation.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance helps to make sure workers are taken care of if they’re hurt on the job, while also protecting retail store business owners from significant financial losses after an accident. It’s legally required in most states for businesses with employees.

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 insurance covers retail store business property, which can include the repairs, construction and related expenses if you own the building where you do business. And it can help you whether you lease space or own the property where you work.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Cost of retail store insurance in Arizona

NEXT makes sure that a retail store in Arizona gets the right coverage for the most competitive rates. Policies are customized for you based on:

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

A retail store business in Arizona can pay as little as $15 each month for business insurance.^†

Your retail 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.

It's easy to get business insurance for your retail store in Arizona

A retail store business in Arizona is a busy small business with little time to sweat the details of insurance. NEXT takes the hassle out of insurance by getting rid of jargon and endless phone calls. With NEXT, you can:

Get a quote and buy coverage in less than 10 minutes.
Get proof of insurance when you need it with no waiting around.
Manage your coverage 24/7
Pay as you go and cancel anytime NEXT makes business insurance easy.

You can buy and manage your insurance anytime you want and get back to business fast.

Frequently asked questions about retail store business insurance

Here are some of the most common questions we get about retail store business 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 retail store business insurance in Arizona?

Yes, NEXT Insurance offers tailored retail store business insurance in Arizona.

Does NEXT Insurance offer Commercial Auto coverage for retail store business in Arizona?

Yes, NEXT Insurance offers General Liability, Professional Liability, Commercial Auto, Workers' Compensation, Commercial Property coverage for retail store business in Arizona.

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.

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

Once you have a 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.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, 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 do you file an insurance claim with 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.

Get customized insurance wherever you do business

Learn more about insurance options in other states

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Amazon Seller, Arts and Crafts Store, Bike Shop, Bookstore, Candle Store, Candy Store, Clothing Store, Convenience Store, E-commerce, Electronics Store, Fabric Store, Florist, Furniture Store, Hardware Store, Jewelry Store, Laundromat, Luggage Store, Medical Supplies Store, Pawn Shop, Retail Store, Toy Store