Antique Store Insurance Quote Checklist for Owners
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 20
- 2 min read
Running an antique store comes with unique challenges and risks. From valuable inventory to employee safety and customer protection, store owners must ensure their business is fully insured. When requesting an antique store insurance quote, having a checklist helps streamline the process and ensures nothing is overlooked.
This guide provides a complete insurance quote checklist for antique store owners, including the coverage types you need and the information required by insurers.
Essential Information to Provide When Requesting a Quote
To get an accurate quote, insurers will need details about your business. Make sure you have:
Store Information: Location, size, and building type
Inventory Details: Value of antiques, collectibles, and high-value items
Employee Information: Number of staff and payroll for workers’ compensation
Vehicles Used for Business: Any delivery or pickup vehicles for commercial auto coverage
Claims History: Previous insurance claims, accidents, or losses
Key Insurance Coverages to Include in Your 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.
Additional Checklist Tips
Document your store’s security measures (alarms, cameras, locked displays) to potentially lower premiums
List optional coverage you may want, such as employee dishonesty or specialized equipment coverage
Compare multiple quotes to evaluate coverage limits, deductibles, and exclusions
Get an Antique Store Insurance Quote With Wexford Insurance
Wexford Insurance helps antique store owners secure customized insurance coverage that protects employees, inventory, vehicles, and property. Our team specializes in retail and specialty business insurance and helps owners get competitive quotes quickly.
