Retail Insurance in Washington

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.

Retail store insurance that's made for your Washington business

We’re dedicated to helping you get the retail store insurance coverage you need to protect your business from accidents, injuries, property damage and legal fees. Popular insurance bundles for retail store business in Washington include:

General liability
Professional liability
Commercial property

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

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 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 is designed to provide protection to your retail store business from unexpected expenses if you’re accused of a professional mistake, such as a customer saying you didn’t complete a job on time and wants you to pay for financial losses.

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 insurance can help protect your retail store business equipment, inventory and even the building itself if you own it. If your retail store business property is damaged due to a covered event, such as a burst water pipe or fire, commercial property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What's the price of retail store insurance in Washington?

The amount of money you can expect to pay for retail store insurance in Washington depends on the kinds of risks your business faces, such as:

What kind of work you do
Where you work
The kind of work your employees do
How many vehicles you use for business

Business insurance can cost a retail store business in Washington about $19 a month for basic coverage.^†

Business insurance for retail store in Washington has never been easier

A retail store business in Washington 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:

Covered in less than 10 minutes
Access to your documents online whenever you need them
Insurance advisor support via phone, email and direct chat if you have questions

We know that there’s never enough time in a day for the self-employed. That’s why we work hard to make running your business that much easier.

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 Washington?

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

Does NEXT Insurance offer Commercial Property coverage for retail store business in Washington?

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

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, Hobby Shop, 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.