Choosing the Best Antique Store Business Insurance Policy
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 20
- 2 min read
Antique stores face unique risks. From valuable collectibles and fragile furniture to employee injuries and customer incidents, choosing the right business insurance policy is critical to protect your investment. A carefully selected insurance plan ensures your store, inventory, staff, and operations remain protected while keeping premiums reasonable.
Understand Your Insurance Needs
Before shopping for a policy, identify the key risks your antique store faces:
Customer Liability: Slip-and-fall accidents, damaged property, or injuries in the store
Property Risk: Fire, theft, vandalism, or damage to valuable antiques
Employee Safety: Injuries while lifting or moving items, handling fragile merchandise
Business Vehicles: Delivering or picking up antiques with company-owned vehicles
Understanding your risks allows you to choose coverage types that match your business needs.
Key Coverage Options
Protects against claims from third-party injuries or property damage. It is essential for any antique store with customer foot traffic.
Covers store buildings, fixtures, and inventory from fire, theft, or vandalism. This is crucial for high-value collectibles.
Required if you have employees. Covers medical costs and lost wages for workplace injuries, such as slips or heavy lifting accidents.
Protects vehicles used for business operations like deliveries, pick-ups, or transport of antiques.
Covers lost income and ongoing expenses if your store temporarily closes due to a covered loss.
Tips for Choosing the Best Policy
Compare Multiple Quotes: Ensure coverage limits, deductibles, and exclusions are clear
Check Insurer Experience: Choose agencies familiar with specialty retail and antique stores
Bundle Policies: Combining general liability, property, and workers’ compensation can reduce premiums
Review Annually: Update coverage to reflect inventory changes, employee growth, and vehicle use
Get a Tailored Quote With Wexford Insurance
Wexford Insurance specializes in antique store and specialty retail insurance. Their team helps owners select policies that balance cost and coverage, ensuring inventory, employees, vehicles, and operations are protected.
