We’ve partnered with NEXT to bring you fast, easy, affordable general liability coverage. See how much you can save in minutes.**
Begins Immediately**
Includes COI
Available in
United States
Starting at
$25 per month***
It's easy to pay out-of-pocket costs if your business is held responsible for accidents or mistakes.
Injuries
If a defect with your product causes injuries to someone and you or your business is ruled responsible.
Property damage
You accidentally damage a client or customer’s property.
Medical payments
Someone (excluding employees) gets injured and asks you to pay for medical expenses.
Legal fees & defense costs
You need an attorney to defend your business in a lawsuit after a claim.
Reputational harm
An employee bad mouths a client online and the client sues you.
Advertising injury
You're sued for improper image use in your advertising.
Amazon Sellers
Amazon requires sellers to have a General Liability insurance policy if they have a Pro Merchant account or if they have achieved gross sales $10,000+ in a single month.
Walmart Sellers
Walmart requires sellers to have a General Liability insurance policy if they have $100,000+ in gross merchandise value (GMV) during any 12-month period or if the seller is notified by Walmart directly.
E-commerce Sellers
If you're selling on other marketplaces or websites, it’s still a good idea to get coverage. It can help protect your business if something goes wrong.
Start the
application
Accept your
custom quote
Coverage begins
immediately**
Start the application
Accept your custom quote
Coverage begins immediately**
Over 600,000 businesses trust NEXT to provide hassle-free coverage & big savings.
NEXT is rated "A- Excellent" by AM Best. ¹
Ranked best overall commercial insurance company for the self-employed by Investopedia 2023. ²
Majority of businesses that switch to NEXT paid less for their insurance than what they were paying previously.³
Frequently Asked Questions
General liability business insurance can help provide financial protection for some of the most common accidents at a business.
It can help if someone other than an employee gets hurt and your business is at fault. This is called “bodily injury.”
General liability insurance coverage can also help pay for repair or replacement costs if you accidentally damage property that doesn’t belong to you.
And if you’re accused of reputational harm (libel or slander), false advertising (advertising injury) or copyright infringement, your insurance policy can provide coverage for that, too.
It’s one of the most frequently purchased types of business insurance by small business owners because of the broad protection it offers.
This type of coverage is also sometimes called “business liability insurance,” “commercial general liability (CGL),” “public liability” or “liability insurance”.
Amazon Sellers
Amazon sellers with a Pro Merchant account and gross sales of $10,000+.
Walmart Sellers
Walmart sellers with $100,000+ in gross merchandise value (GMV) during any 12-month period or if the seller is notified by Walmart directly.
E-commerce Sellers
If neither of the above apply to you, it’s still a good idea to get coverage. It can help protect your business if something goes wrong.
Do I need insurance to sell on Amazon?
Yes, Amazon requires some third-party sellers to provide proof that you have general liability insurance with at least $1 million in coverage. You may also be asked to provide a certificate of insurance with Amazon listed as an additional insured. NEXT’s general liability coverage meets Amazon’s insurance requirements. This helps protect your business and Amazon from financial losses if you are accused of causing an injury or property damage related to whatever you are selling. Amazon asks that you put “Amazon.com, Inc., and its affiliates and assignees” as additional insureds on your policy.
For additional details on Amazon’s insurance and other seller requirements, it is recommended to check out Amazon’s Program Policies and the Amazon Services Business Solutions Agreement before you get started. This will help you understand expectations of you as a seller.
Amazon might send you a request for a certificate of insurance. If that happens, you must send it to Amazon at: c/o Amazon, P.O. Box 81226, Seattle, WA 98108-1226, Attention: Risk Management. If you have coverage with NEXT, you can download your certificate as many times as you want, 24/7, at no extra charge. For additional details on Amazon’s insurance and other seller requirements, it is recommended to check out Amazon’s Program Policies and the Amazon Services Business Solutions Agreement before you get started. This will help you understand expectations of you as a seller.
You can save up to 25% in discounts on business insurance!*
Amazon and Walmart seller insurance can cost as little as $25 per month.*** General liability insurance costs 65% of NEXT customers between $23 and $31 on average per month.*****
But the exact price will vary depending on your specific circumstances and needs.
The kind of work you do, where you work, how many employees you have and other factors will impact your customized quote.
It’s important to provide the most accurate information about your business to make sure you get the coverage that is right for you, so that your claims are covered by your policy and so that any claim you might make is processed as quickly as possible.
Often, claims decisions are made within 48 hours, although some claims require more time.
The specific details of the claim, how bad the damage is, how many people are involved, the availability of information and other factors all contribute to the decision process.
NEXT offers the option for customers to make monthly payments. At the time of purchase, the payment for the first and last month is required. After that initial payment, the monthly payment is automatically collected from the card on file every 30 days. Either a credit or a debit card can be used as the method of payment. Please note prepaid cards are not accepted for monthly payment plans.
NEXT’s mission is to help small businesses thrive. They provide simple, tailored and affordable small business insurance for more than 1,300 types of businesses and self-employed workers. NEXT helps business owners get covered with policies that are easy to buy in 10 minutes or less and provides 24/7 access to services.
*To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary. Policy documents govern. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
**In most cases, exceptions apply.
***Based on general liability minimum premium for amazon seller businesses in Texas. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary. Policy documents govern.
****Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.
***** The cost data presented here are based on NEXT active customers data obtained over the previous 12 months. The price range is based on cost data of equal to or over 51% of NEXT active customers in the U.S. who purchased each respective type of insurance policy. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in September 2024.
¹ NEXT is rated “A- Excellent” by AM Best, the industry standard for rating insurance companies. Policies are backed by MunichRe and are issued by either NEXT Insurance US company or State National Insurance Company, Inc., depending on the state and type of coverage.
² https://www.investopedia.com/best-commercial-business-insurance-5069688, April 2023.
³ Based on self-reported data from new policyholders surveyed between Feb 21 and Apr 21, 2023.
SellersFunding Corp., D/B/A SellersFi, (including any related, affiliated, or subsidiary companies) is not a licensed insurance company, provider, producer, nor an insurance expert of any kind. Regarding any insurance coverage you may select and receive, SellersFi disclaims all warranties, express or implied, including without limitation, implied warranties of merchantability and fitness for a particular purpose and shall not be liable for any direct, indirect, special, incidental, or consequential damages.
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Fast, easy, affordable general liability coverage with NEXT.
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