Thrift Store Business Insurance

Clothing on a rack
Do you own or manage a thrift store in California? If so, you’ll need a business insurance policy specifically made to cover exposures the thrift store industry has. Our agents can provide you with thrift store insurance options which may include liability, property, workers compensation, umbrella coverage, and much more. Call 877-428-8778 and speak with a licensed thrift store insurance agent today!

Thrift Shop Insurance Coverage Options

Thrift stores need General Liability Insurance to protect from bodily injury or 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 thrifts stores inspect all products for safety to prevent claims such as these.

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.

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

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 & 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.

Other thrift store insurance options may include:

-Inland Marine
-Crime & Employee Dishonesty
-Commercial Auto
-Employees Practices Liability (EPLI)
-Umbrella

Get More Than Just a Policy

At Insurance Incorporated we provide more than just insurance policies. You’ll have access to your own personal insurance agent, their direct line, email, and a customer service team dedicated to taking care of you. We also provide our clients with a portal that offers documents geared specifically to California thrift stores. You’ll have access to OSHA required labor law material, safety meeting documents, loss prevention techniques, and much more.

Call 877-428-8778 for a free no obligation quote on your thrift store business insurance!