Top Antique Store Insurance Claims Every Owner Needs to Know
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 20
- 2 min read
Owning an antique store comes with unique risks. From fragile, high-value inventory to customer accidents, understanding the most common insurance claims helps owners make informed decisions about coverage and risk management. Knowing which claims are frequent in the antique retail sector allows store owners to protect their business and minimize disruptions.
1. Customer Slip-and-Fall Injuries
Slip-and-fall incidents are among the most common claims in retail businesses, including antique stores. Customers can trip over rugs, cords, or uneven flooring, leading to injuries that trigger general liability insurance claims.
Implement proper lighting and clear walkways
Use non-slip rugs or mats
Train staff to quickly address hazards
Read More: OSHA – Retail Safety
2. Property Damage to Inventory
Antique stores often deal with fragile, one-of-a-kind items. Accidental damage, fire, or water events can result in expensive insurance claims. Commercial property insurance is essential for protecting:
High-value antiques and collectibles
Display furniture and fixtures
Store interiors
3. Employee Injuries
Workers in antique stores often lift heavy furniture, handle fragile items, and use ladders or equipment. Workers’ compensation insurance covers medical expenses and lost wages for injuries on the job.
4. Vehicle-Related Claims
Many antique stores provide delivery or pick-up services. Accidents during transport of antiques can result in commercial auto insurance claims, covering vehicle damage, third-party liability, and cargo protection.
5. Business Interruption Claims
Unexpected events like fires, water damage, or theft may force a temporary closure. Business interruption insurance helps replace lost income and maintain payroll, rent, and utilities while the store recovers.
6. Theft and Burglary
Antique stores are prime targets for theft due to high-value inventory. Insurers may pay claims for stolen items if proper security measures are in place, such as alarms, cameras, and secure display cases.
How to Protect Your Antique Store
Maintain a safe environment for customers and employees
Invest in security systems and proper storage for valuable items
Keep accurate records of inventory and previous claims
Work with a knowledgeable insurance provider to ensure adequate coverage
Get a Tailored Quote With Wexford Insurance
Wexford Insurance helps antique store owners secure coverage for all common risks, including liability, property damage, employee injuries, and business interruptions. Their team provides customized quotes to ensure your store is fully protected at a competitive rate.
