What Does Antique Store Business Insurance Cover? A Complete Guide
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 20
- 2 min read
Owning an antique store involves unique risks. From fragile collectibles to customer foot traffic and employee activities, running a specialty retail business exposes owners to potential losses. Antique store business insurance helps protect your store, inventory, staff, and operations.
Understanding what is covered ensures your store has the right policies and adequate limits.
Key Coverages for Antique Stores
This coverage protects against claims for bodily injury or property damage caused to customers or visitors. For example, if a customer slips on a rug or accidentally knocks over a display, general liability insurance can cover medical expenses and legal costs.
Covers damage to your store building (if owned), fixtures, displays, and business property due to fire, theft, or vandalism. This coverage is crucial for antique stores with high-value or rare items.
If your store has employees, workers’ compensation is typically required by law. It covers medical expenses and lost wages for staff injured on the job, such as lifting heavy furniture or handling delicate antiques.
Many antique stores transport items for customers or pick up consignments. Commercial auto insurance protects company-owned or business-used vehicles in the event of accidents or damage.
If your store must temporarily close due to a covered loss, business interruption coverage replaces lost income and helps pay ongoing expenses like rent, utilities, and payroll.
Optional Coverages
Depending on your needs, antique stores may also consider:
Employee dishonesty coverage
Equipment or display coverage
Cyber liability if you manage online sales
Get an Antique Store Insurance Quote With Wexford Insurance
Wexford Insurance specializes in helping antique store owners get customized insurance coverage that protects inventory, staff, and operations. They provide competitive quotes and guidance to ensure your store is fully covered.
