Owning an antique store is like being on a perpetual treasure hunt. And not only are you looking for and finding those treasures, you're taking a trip into history too. Because there are so many things that were invented or used in the past that no longer exist. And most people wouldn't even know what some of those antique items are. That's part of the fun and part of the value all rolled together. And it's also why you need to protect those treasures. Antique store insurance is the modern-day tool that lets you do that.
General liability insurance is a foundation for antique store owners. It protects your business if someone is injured in your store, or if you’re held responsible for damage to someone else’s property. Even a small accident can quickly turn into costly legal and medical expenses. Antique store general liability insurance keeps you covered so one mishap doesn’t derail your business.
Claim Examples – What’s Covered?
A customer trips on a rug inside your store and suffers an ankle injury.
A visitor accidentally bumps a glass cabinet, and it tips over. In the midst of the fall, the customer's phone is smashed.
During an appraisal event, an employee's bracelet accidentally scratches a customer’s antique mirror.
A Business Owner’s Policy (BOP) combines general liability and commercial property insurance, giving antique dealers protection for both people and property. Your shop houses irreplaceable pieces—vintage furniture, jewelry, collectibles—and a single fire, theft, or burst pipe could cause devastating loss. A BOP ensures your building, contents, and liability risks are all covered in one package.
Claim Examples – What’s Covered?
The roof starts leaking during a heavy storm, and water drips onto a collection of vintage paintings you had planned to sell at auction.
Thieves break-in and steal all of the antique watches from your display cases.
A fire in a neighboring store sends smoke throughout your shop, damaging your inventory and requiring repairs.
If you have employees, workers’ compensation is probably something you're required by law to carry. The specific requirements vary from one state to another. Some states might say you have to carry this when you have just one employee, while others might say you're required to start carrying it once you have four or more. Regardless of whether your state requires it though, it's really important coverage for your antique store. Because it takes care of employees if they're hurt while working. Not only does it pay for the medical care related to their on-the-job injuries, it pays for recovery and rehabilitation too. Plus, it prevents your store from being sued by the employee.
Claim Examples – What’s Covered?
A large oak armoire falls on an employee when they're trying to reposition it.
A worker cuts their hand while unpacking a shipment of glassware.
A staff member trips over the entryway while rearranging outdoor displays.
With workers’ compensation in place, you’re compliant with state requirements and your employees know they’re protected.
Beyond general liability, BOP, and workers’ comp, many antique store owners choose additional coverage for peace of mind. Depending on your location, inventory, and business setup, consider:
Inland Marine Insurance (for items in transit to shows or auctions)
Cyber Liability Insurance (for online sales and customer data protection)
Commercial Umbrella Insurance (extra liability protection)
Professional Liability Insurance (for appraisals and valuations)
We also protect related professions and trades:
When you choose USA Insurance, you’re choosing more than a policy—you’re choosing a partner.
Trusted by over 240 carriers nationwide
Customized antique store coverage designed around your risks
Local expertise with national reach
Flexible payment options
Proactive renewal process for best rates
Affordable plans for retailers, artisans, and contractors
Protect your antique business with coverage designed to fit like a glove.
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