Business Insurance for Consignment and Thrift Stores

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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.
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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.

BEST FOR
  • 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.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
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.

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

Umbrella / excess liability 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.

BEST FOR
  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

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
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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.
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