Business Insurance for Consignment and Thrift Stores

Compare multiple quotes from top carriers with one application.

Detail of vintage clothes for sale inside a shop.

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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.

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

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

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

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

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

What our customers are saying

"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"

Jessica Shannon

Customer since 2016

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.

Compare insurance quotes for thrift stores

Save money by comparing insurance quotes from multiple carriers.