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Why do thrift stores need insurance?
Thrift stores and consignment shops are more popular than ever, but the boost in resale has led to more lawsuits related to customer injuries, property damage, and other risks. Thrift store insurance can protect the financial health of your store in the event of a costly lawsuit or accident.
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Insureon helps consignment shop owners compare small business insurance quotes from top U.S. carriers online.
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What types of insurance do consignment and thrift stores need?
These insurance policies cover the most common risks faced by thrift stores.
Business owner’s policy
This policy bundles commercial property insurance and general liability coverage in one plan. A BOP is often the most cost-effective type of commercial insurance for consignees.
BEST FOR
- Customer injuries
- Stolen or damaged inventory
- Business interruption incidents
General liability insurance
This policy covers basic third-party risks, such as a shelf collapsing and injuring a customer or consignor. Bundle it with commercial 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
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.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Cyber 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.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
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, and commercial auto insurance.
BEST FOR
- Bodily injury lawsuits
- Property damage lawsuits
- Auto accident lawsuits
Commercial auto insurance
State laws usually require this coverage for business-owned vehicles. It covers the cost of accidents involving a thrift store's truck or other vehicle.
BEST FOR
- Damage to another person's vehicle
- Injuries caused to another person
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does insurance cost for retail businesses?
A small thrift shop will pay less for insurance than a large consignment store.
Factors that affect premiums include:
- Retail services and products offered
- Business property and equipment
- Business income
- Types of coverage purchased
- Policy limits and deductibles
How do I get thrift shop insurance?
It's easy to get consignment store insurance and used clothing store insurance if you have your business information on hand. Our application will ask for basic facts about your shop, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your secondhand store or clothing store, whether you work independently or hire employees.
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