Retail Insurance in Missouri
Keep your inventory protected — at home and at your warehouse.
Choose your primary coverage to get started:
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 Missouri
NEXT offers a seamless experience with coverage, pricing and customer service that’s designed for retail store business in Missouri. Insurance packages often include:
- Professional liability
- Workers’ compensation
- Commercial property
You can save up to 25% on retail store business insurance in Missouri*
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
Professional Liability (E&O)
Per occurrence
$250,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Easily find a custom Missouri retail store insurance package that's right for you
NEXT specializes in small business insurance, so you can easily find a custom insurance package that’s right for your retail store business in Missouri.
General Liability
Protection for the injuries, accidents and damage you cause
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 to pay for damages and lawsuit costs if you or your retail store business is accused of work errors or incomplete projects that cause a client to lose money.
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 is one of the most common types of small business insurance retail store owners buy because of the different types of coverage it offers. It helps with replacement or repair costs if property is stolen or damaged due to a covered event, such as a burst water pipe, fire or vandalism.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
Cost of retail store insurance in Missouri
NEXT makes sure that a retail store in Missouri 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 Missouri can pay as little as $18 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.
What are the Retail store insurance requirements in Missouri?
From your first day of business to your latest employee hire, NEXT is here to help your business thrive. Our flexible small business insurance provides the protection you need to get going and keep on growing. You might need insurance to:
- Hire people. Missouri business requires workers’ compensation if you have employees.
- Drive for work. Business-owned vehicles almost always 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.
- Meet industry standards and state requirements for a retail store business.
- Grow with your business as you experience fluctuations.
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 Missouri?
Yes, NEXT Insurance offers tailored retail store business insurance in Missouri.
Does NEXT Insurance offer General Liability coverage for retail store business in Missouri?
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Commercial Property coverage for retail store business in Missouri.
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.
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.