Antique Store Insurance
Antique dealers handle fragile, high-value pieces in tight aisles where one bumped display can lead to an expensive dispute.
What this coverage is intended to address
- ✓General liability is intended to respond if a browsing customer trips over a low pedestal or floor-standing piece and is injured on your premises.
- ✓Product liability is generally intended to respond if a sold item, such as a restored chair or antique lamp, is later alleged to have caused injury or property damage.
- ✓Business property protection may help respond, in the event of a covered claim, when your display cases, restored stock, or consignment inventory are damaged.
Coverage products commonly considered
Most antique store operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Suppose a shopper reaching for a vase knocks over a marble-top stand that lands on their foot — general liability is intended to respond to the resulting bodily injury claim.
- Imagine a vintage floor lamp you sold is alleged to have faulty wiring that scorched a buyer's side table; product liability may help respond to the damage allegation.
Frequently asked questions
Does this consider items I sell on consignment?
Consignment stock is common in antique retail, and liability coverage is generally intended to respond to third-party injury or damage claims tied to your store regardless of who owns the piece, subject to policy terms.
What about a customer hurt by an unstable display?
If a freestanding antique display tips and injures a visitor, general liability is intended to respond to that on-premises bodily injury claim in the event it is covered.
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