How to Get an Antique Store Business Insurance Quote
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 20
- 2 min read
Running an antique store comes with unique risks. From rare collectibles and vintage furniture to customer foot traffic and historic buildings, standard retail insurance often isn’t enough. Getting the right antique store business insurance quote ensures your inventory, property, and business operations are fully protected.
This guide explains what coverage antique store owners need, what insurers look for when pricing quotes, and how to secure the right policy through Wexford Insurance.
Why Antique Stores Need Specialized Insurance
Antique stores face higher risks than traditional retail businesses because they often deal with:
High-value and one-of-a-kind inventory
Fragile or irreplaceable items
Older buildings with increased fire or structural risks
Customer injury exposure
Without proper insurance, a single incident could result in major financial loss.
Key Coverages Included in an Antique Store Insurance Quote
General liability insurance protects against third-party claims such as customer slip-and-fall injuries or accidental property damage inside your store.
Covers the building (if owned), interior improvements, displays, and business property against losses caused by fire, vandalism, or other covered events.
If your antique store has employees, workers’ compensation insurance is typically required by state law. It covers medical expenses and lost wages if an employee is injured while working.
Common employee risks include:
Lifting heavy furniture
Moving fragile items
Slips and falls
Commercial auto insurance covers vehicles used for business purposes, such as:
Picking up antiques from sellers
Delivering furniture to customers
Transporting items to auctions or shows
Personal auto policies usually exclude business-related use.
Business interruption coverage helps replace lost income if your store must temporarily close due to a covered loss, helping pay rent, utilities, and payroll.
How to Get an Antique Store Business Insurance Quote
Step 1: Gather Business Information
Be prepared to provide:
Store location and square footage
Inventory value and type of antiques sold
Security measures (alarms, cameras, safes)
Annual revenue
Claims history
Step 2: Identify Coverage Needs
Decide whether you need:
Building coverage
High-value inventory endorsements
Business interruption protection
Step 3: Compare Quotes From Specialized Agencies
Antique stores benefit from working with insurance agencies experienced in specialty retail businesses.
Step 4: Review Policy Details Carefully
Ensure the quote includes:
Proper valuation methods for antiques
Adequate limits
Clear exclusions and deductibles
Get an Antique Store Insurance Quote With Wexford Insurance
Wexford Insurance helps antique store owners secure tailored insurance quotes that protect valuable inventory while keeping premiums competitive. Our team understands the risks unique to antique and specialty retail businesses.