How to Compare Antique Store Insurance Quotes Online
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 20
- 2 min read
Antique store owners face unique challenges when it comes to insurance. High-value inventory, fragile items, customer liability, and employee safety all influence premiums. Comparing antique store insurance quotes online helps owners find the best coverage at competitive rates, ensuring their business, staff, and inventory are protected.
Step 1: Gather Your Business Information
Before requesting online quotes, prepare essential details to get accurate pricing:
Store location and square footage
Inventory value and type of antiques sold
Vehicles used for business (for commercial auto coverage)
Claims history
Having this information ready ensures insurers provide accurate quotes and reduces delays.
Step 2: Identify Coverage Needs
Not all antique stores have the same risks. Identify the policies your store requires:
General Liability Insurance for customer injuries or property damage
Commercial Property Insurance for store and inventory protection
Workers’ Compensation Insurance for employee injuries
Commercial Auto Insurance for delivery or pickup services
Business Interruption Insurance to cover lost income in case of closure
Tailoring coverage to your business needs prevents overpaying for unnecessary policies.
Step 3: Use Online Quote Comparison Tools
Many insurance agencies, including specialists in retail and antique stores, offer online quote tools. When comparing quotes:
Review coverage limits and deductibles
Check exclusions to ensure key risks are included
Compare pricing for similar coverage levels
Step 4: Look for Specialized Providers
Specialized insurers understand antique store risks, including fragile or high-value inventory and customer liability. Working with these providers often results in more accurate quotes and tailored coverage.
Step 5: Review and Select the Best Quote
Once you receive online quotes, compare policies side by side. Pay attention to:
Coverage limits and endorsements
Deductibles and premium costs
Reputation of the insurance company
Get a Quote With Wexford Insurance
Wexford Insurance specializes in antique store insurance and helps owners compare quotes for full coverage. Our team ensures that your inventory, employees, vehicles, and business operations are protected at competitive rates.
