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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.
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
- Product liability insurance
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
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.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
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.
BEST FOR
- 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?
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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