Retail Insurance in Massachusetts

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 Massachusetts

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

General liability
Professional liability
Commercial property

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

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

Commercial Property

Per occurrence

$25,000

Pro

General Liability

Our general liability coverage meets Amazon’s insurance requirements

General liability insurance provides financial protection if an accident happens at your retail store business, such as a customer injury or damages to someone’s property. It also provides coverage if you have to defend an accusation of libel or slander.

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 (also known as errors and omissions or indemnity insurance) helps you defend yourself and your retail store business if you’re accused of making a mistake that causes someone to lose money. It could help cover related expenses to defend yourself or address the problem.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Property

For business owners who own or rent physical spaces

Commercial property coverage helps protect almost all of the physical items you need to run your retail store business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

How much should a retail store like me expect to pay for insurance in Massachusetts?

Since every retail store business in Massachusetts has unique circumstances, the price of business insurance varies. There are a number of factors that we take into consideration when provide an instant quote online, including:

If you work by yourself or have employees
Where your work sites are located
The kind of jobs you usually perform
How many vehicles you use for your business

Business insurance for retail store business in Massachusetts can cost as little as $20 per month.^†

We’ll make this quick. With NEXT, you can get a quote and buy business insurance in less than 10 minutes.

Why does a retail store in Massachusetts need business insurance?

A retail store business in Massachusetts needs insurance to help stay protected from financial losses after an accident. It can also offer protection from costs related to business disagreements, and it can help you qualify for licenses. You might need insurance to:

Align with industry standards and state requirements for a retail store business.
Change with your business as you experience fluctuations.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

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 Massachusetts?

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

Does NEXT Insurance offer Professional Liability coverage for retail store business in Massachusetts?

Yes, NEXT Insurance offers General Liability, Professional Liability, Commercial Property coverage for retail store business in Massachusetts.

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 the states where you work.

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

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.