Business Insurance for Consignment and Thrift Stores

Compare multiple quotes from top carriers with one application.
Thrift Store
Detail of vintage clothes for sale inside a shop.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Save money by comparing insurance quotes for thrift stores

Due to their rising popularity, consignment and thrift stores face more business risks than ever, including lawsuits. Shield your small business with affordable consignment shop insurance policies.

Jackets, lamp, and other items at a consignment shop.
Compare insurance quotes icon

Choose the best rate and coverage

Insureon helps consignment and thrift stores compare insurance quotes from top U.S. carriers with one easy online application.

What types of insurance do consignment and thrift stores need?

These policies provide coverage for the most common risks thrift stores face.

Business owner’s policy icon

Business owner’s policy

This policy bundles commercial property and general liability insurance in one plan. A BOP is often the most cost-effective type of commercial insurance for secondhand stores.

  • Customer injuries
  • Stolen or damaged inventory
  • Business interruption incidents
General liability insurance icon

General liability insurance

This policy covers common thrift store risks, such as a shelf collapsing and injuring a customer. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation is required in almost every state for thrift and consignment stores that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Once a thrift shop or antique store reaches its policy limit, umbrella insurance (or excess liability insurance) boosts coverage on general liability or employer’s liability policies.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance is usually required for business-owned vehicles. It covers the costs of accidents involving a thrift store's truck or other vehicle.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

Why do consignment and thrift stores need insurance?

Thrift stores and consignment shops are more popular than ever, but the boost in resale has also led to more lawsuits related to customer injury, property damage, and other risks. Thrift store insurance can protect the financial health of your store in the event of a costly lawsuit.

How much does insurance cost for retail businesses?

Woman with clipboard calculating cost of insurance for her retail business.

Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Insureon customer reviews on Feefo
Compare insurance quotes for thrift stores
Save money by comparing insurance quotes from multiple carriers.
Thrift Store