Thrift Store Insurance

Discover affordable coverage to protect your gently used boutique.

Thrift store insurance provided by Insurance Incorporated.

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Your store is likely to have thousands ​invested in gently used furniture, appliances, collectibles, books, clothing, accessories, and much more. Like any other retail business, you not only take risks on the foot traffic entering your store but you can also experience loss to your own inventory, fixtures, and building. We’re here to help you find unique protection for a low price.

Don’t settle for secondhand protection.

It’s vital that thrift stores operate like any other retail establishment. Bringing customers in the store, along with your employees, can certainly pose a risk. Potential damage to your equipment or inventory should also raise concerns. We are here to protect your investment.

Protect your hard work and investment.

A general liability insurance policy can help protect from bodily injury, as well as property damage your business or employees may cause to someone or their property. If you sell a product that caused harm to someone else you could be sued for the injuries suffered. It’s important that thrift stores inspect all products for safety to prevent claims such as these.

Preserve your inventory.

Business personal property insurance is used by thrift stores to cover the massive inventory that could be damaged, destroyed, or stolen. Many thrift stores have more than $100,000 in inventory, equipment, furniture, and electronics, all of which can be insured for a minimal amount.

Guard your building and its assets.

Building property insurance can also be used to provide coverage in the event your building is damaged or destroyed. It is also used to cover upgrades or alterations that were done to the property. It’s important that a building replacement cost estimate is performed to ensure it’s covered up to its full replacement value.

Shielding your hardworking employees.

Workers’ compensation insurance is needed to cover thrift store employees who may get injured on the job. If an employee suffers a back injury from a work-related indecent, workers’ compensation can provide coverage for medical bills, loss of income, and even pain and suffering depending on the situation. It’s important that those in charge conduct safety meetings and use safety equipment to reduce workers’ compensation insurance claims.

Additional risks that may prevent your operations.

As the owner of a business, focusing on sales should be your primary goal. By having the proper insurance coverage in place, you can set aside potential roadblocks. Here are some other insurance options to consider:

  • Inland Marine Insurance
  • Crime Insurance
  • Commercial Auto Insurance
  • Employees Practices Liability Insurance(EPLI)
  • Umbrella Insurance

Don’t close the door on your business. Let us help you assess your business risks to customize a policy for ultimate protection. Contact us to get started.

Thrift Store Insurance - Closeup of Clothing on a Rack at a Thrift Store

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