What Kind of Insurance Do I Need for an Antique Store Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
Owning an antique store means handling valuable, rare, and sometimes fragile items. While these treasures attract customers, they also come with unique risks. From accidental damage to theft or liability claims, the right insurance coverage is essential to protect your business.
Below is a guide to the types of insurance every antique store owner should consider.
Why Insurance Matters for Antique Stores
Antique stores face risks beyond typical retail businesses. High-value inventory, customer foot traffic, and transportation of goods increase exposure to financial loss. Without proper coverage, a single incident could cost thousands of dollars—or even force you to close your doors.
Essential Insurance Policies for Antique Stores
This is the foundation of any business insurance plan. It covers:
Customer injuries in your store (e.g., slips and falls)
Property damage caused by your business operations
Legal fees if you’re sued for negligence
Why it’s important: Antique stores often have tight spaces and fragile items, making accidents more likely.
Protects your physical location and inventory against:
Fire, theft, or vandalism
Storm or water damage
Loss of antiques stored on-site
Tip: Make sure your policy accounts for the high value of antique items, which may appreciate over time.
If you transport antiques to auctions, estate sales, or customers, you need coverage for:
Vehicle damage
Liability for accidents during transport
Protection for antiques in transit (often added as cargo coverage)
Required if you have employees. It covers:
Medical expenses for work-related injuries
Lost wages during recovery
Employer liability for workplace accidents
If you use specialized tools for restoration or display, this policy covers:
Repair or replacement costs for damaged equipment
Coverage for tools used off-site during restoration projects
If your store is forced to close due to a covered event (like fire or storm damage), this policy helps cover:
Lost income during downtime
Ongoing expenses like rent and payroll
How Wexford Insurance Can Help
At Wexford Insurance, we specialize in antique store business insurance. Our team understands the unique risks of selling high-value, rare, and second-hand goods. We work with top carriers to provide tailored coverage that protects your inventory, property, and liability.
Final Thoughts
Insurance isn’t just a safety net—it’s a business necessity. From general liability to property and equipment coverage, the right policies ensure your antique store thrives without unexpected setbacks.
Ready to protect your investment?
Contact Wexford Insurance today.
