Business Insurance for Consignment and Thrift Stores

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Thrift Store
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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.
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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

Most states require workers' comp for thrift and consignment stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

This policy helps thrift stores and secondhand shops survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

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

  • Customer injury lawsuits
  • Employee injury lawsuits
  • Auto accident lawsuits
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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?

Retailer with a clipboard calculating the cost of business insurance.

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

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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