(888) 900 0205Consignment Shop Insurance
A consignment shop sells a floor full of inventory it does not own, and that one fact rearranges the whole insurance conversation.
Consignment shop insurance is built around it: property coverage sized to the consigned goods in your care, liability for a store selling secondhand products, and the crime, cyber, and crew protection behind the counter of a consignment store.
Feedback From Real Clients
Curtis Yocom
1 month ago
★★★★★
Karo Ovasapyan
1 month ago
★★★★★
I 'VE BEEN WITH USA BUSINESS INSURANCE FOR 14 YEARS. THEY'RE REALLY GOOD AT GENERAL CONTRACTOR INSURANCE. THEY ALWAYS GET MY PAPERWORK DONE ON TIME. I TRUST THEM AND RECOMMEND THEM TO OTHER CONTRACTORS.
Jared Raub
1 month ago
★★★★★
Easy to get a quote Very competitive prices Even easier to close, sign, and receive documents Excellent customer service.
Christina Wyckoff
1 month ago
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Jake Killion
2 months ago
★★★★★
Cristo Romo
2 months ago
★★★★★
Sam was fantastic to work with for my business general liability insurance. He provided a great price, was extremely responsive, and made the entire process quick and easy. I really appreciate the excellent service and communication. Highly recommend Sam to anyone looking for business insurance!
Muhammad Sadatullah
2 months ago
★★★★★
Tee
2 months ago
★★★★★
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2 months ago
★★★★★
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2 months ago
★★★★★
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General Liability Insurance For Consignment Shops
For the sales floor and the secondhand products crossing the counter.
General liability insurance may cover premises injuries on a floor built for browsing, tight aisles, loaded racks, furniture displays, along with the products liability that follows every item you sell. Secondhand does not mean liability-free: the seller sits in the chain of commerce whether the goods were new or consigned.
General liability can help pay for:
- Customer injuries in the aisles, fitting rooms, and entry.
- Claims that an item you sold caused injury or damage.
- Damage your operations cause to the leased space.
- Legal defense, whatever the merit of the claim.
Commercial Property And Consigned Goods Coverage
For your fixtures and, above all, the inventory that belongs to other people.
Commercial property insurance may cover your fixtures, registers, and buildout, and the make-or-break question for this trade is the consigned inventory: standard property forms include only a small built-in limit for personal property of others, and a consignment floor blows past it many times over. The fix is deliberate: a scheduled limit for consigned goods that matches what actually hangs and sits on the floor.
Property and consigned goods coverage can help pay for:
- Fire, theft, and water damage to consigned inventory, when the limit is scheduled.
- Losses to your own fixtures, equipment, and buildout.
- Lost income while a covered loss keeps the doors closed.
Workers Compensation For Shop Staff
For the crew moving racks, furniture, and estate lots all day.
Workers' compensation may cover medical bills and lost wages when an employee is hurt at work, and in this trade, the claims are lifting, a dresser on the stairs, a bin of estate intake, a display rearranged one shelf too high. Most states require coverage once you hire, with rules that vary by state.
Workers' compensation can help pay for:
- Medical care after lifting and stockroom injuries.
- Lost wages during recovery.
- Employer liability defense.
Cyber Liability Insurance For Consignor Data
For the payout ledger behind the register.
Cyber liability insurance may cover breach response, notification, and liability after a compromise of your systems, and a consignment shop's database is richer than most retailers': every consignor's name, contact details, account balance, and often the bank information their payouts run through. That ledger is exactly what breach notification laws cover.
Cyber liability can help pay for:
- Breach response, forensics, and consignor notification.
- Liability claims from affected consignors and customers.
- Ransomware response and system restoration.
Business Owners Policy For Consignment Shops
For qualifying shops that want the package price.
A business owner's policy can bundle liability, property, and business income for qualifying shops at a package rate, with the consigned goods limit and crime coverage built in. Here is how a BOP works.
A business owners policy can help pay for:
- Third-party injury and property damage claims.
- Covered losses to the shop and its contents.
- Lost income during a covered closure.
Also worth pricing as the shop grows: crime and employee dishonesty coverage for a business that is half retail and half bookkeeping, commercial auto for furniture pickups and estate runs, inland marine schedules for jewelry and high-value pieces, excess liability for landlord limits, and employment practices liability.
You May Need Business Insurance If You Do The Following Work
If you sell what other people own, the exposure exists, whether it's a boutique resale or ten thousand square feet of furniture.
- Clothing and designer resale boutiques.
- Furniture and home goods consignment.
- Antiques and collectibles.
- Jewelry and watch consignment, with scheduled coverage for the case.
- Children's clothing and gear resale, with recall and safety checks at intake.
- Sporting goods and music gear.
- Art and decor on consignment.
- Estate and downsizing intake services.
- Online listings, shipping, and marketplace sales.
- Pop-ups and market booths, alongside our retail store clients.
What's Not Covered Under These Policies
Every policy above has an edge, and consignment claims get denied at predictable points. These are the gaps we check on every incoming shop.
- Consigned goods above the small built-in limit for property of others, unless a scheduled limit was purchased. This is the single most common gap in the class.
- Consignors' homeowners coverage, which generally does not follow their goods onto your sales floor the way owners assume, making your policy the one that matters.
- Shoplifting, shrink, and inventory shortages, which no policy is built to absorb.
- Cash and payout funds stolen from the register or safe without crime coverage.
- Counterfeit and trademark disputes over fakes sold unknowingly, where coverage varies and an authentication practice is the real protection.
- Injuries to your own staff, which belong to workers' compensation rather than liability coverage.
- Furniture pickups in personal trucks without hired and non-owned auto coverage.
- Employment disputes with staff that involve employment practices liability.
Who May Require Proof Of Insurance
For a consignment shop, certificate requests come from the lease, events, and, increasingly, the consignors themselves.
Your landlord requires liability coverage in the lease, with the building owner named as an additional insured. Market and pop-up organizers require certificates before booth setup; lenders on the buildout add loss-payable wording; and consignors placing high-value pieces, estates, designer collections, and gallery art ask to see proof of coverage before the goods change hands. A shop that can answer that question wins the good inventory.
Every request results in a certificate of insurance with the correct wording. We issue them the same day because a lease signing or an estate intake should never be stalled by paperwork.
Why choose us
Numbers that prove it.
Independent. Licensed in all 50 states. Backed by partnerships with the carriers that matter to your business.
1,000+
Trades Insured
18+
Years In Business
240+
Insurance Carriers
Our Partners
We partner with A-Rated AM Best Insurance Companies (ratings subject to change)
FAQs For Consignment Shops
Are consigned goods covered under my property policy?
Only up to the small built in limit for personal property of others, which a real consignment floor exceeds many times over. The scheduled consigned goods limit is the coverage this business actually runs on, and it should be sized to the floor at peak, not at intake season's low.
If a fire or theft hits, who pays the consignors?
The shop's consigned goods coverage may pay, subject to limits, and the allocation runs on your records. Item level intake data and signed agreements turn a hundred individual losses into one organized claim, which is why the software and the paperwork are part of the insurance program.
Am I liable if a secondhand item injures someone?
You can be, because the seller is part of the chain of commerce regardless of the item's age. Product liability may respond, subject to policy terms, and intake screening earns its keep here, particularly by checking children's products against recall lists before they reach the floor.
What if we unknowingly sell a counterfeit designer piece?
Trademark disputes over fakes are an exposure where coverage varies by policy, and the honest answer is that prevention beats coverage: an authentication routine for luxury intake, documentation of provenance where it exists, and a refund practice that resolves problems before they become claims.
How do we insure jewelry and high value pieces?
Above ordinary rack stock, high-value consignments belong on a scheduled inland marine form with per-item values, the same logic jewelers use. Tell your agent what the case actually holds, because sublimits discovered at claim time are the expensive kind.
Who asks to see our insurance?
Landlords through the lease, market organizers before booth setup, lenders on the buildout, and, in this trade specifically, consignors with valuable goods. Estates, galleries, and designer collectors routinely ask for proof of coverage before placing inventory, and the shops that answer well get the best floors.
Let Us Protect Your Business Like It's Our Own. Reach Out Today!
We insure the resale world, from designer boutiques to furniture floors running estate intake, and we know what a landlord, a nervous consignor, and a fire adjuster each look for in a shop's file. Tell us your floor value at peak, your merchandise mix, and how your intake records work, and we will build the package around it — the consigned goods limit first — because the racks are not yours to lose. Quotes are free and certificates go out same day.
Call 888-900-0205 to get started.