Liability Coverage

  • Covers liability at your auctions & even includes up to 4 show booths
  • Product Liability for the merchandise you sell
  • Personal Injury Liability such as libel, slander, and false arrest
    • Does not cover Professional/Errors & Omissions Liability nor Contractual Liability


  • $1,000,000 Each Occurrence Limit
  • $1,000,000 General Aggregate Limit
  • INCLUDED Products/Operations Limit
  • $1,000,000 Personal & Advertising Limit
  • $100,000 Fire Damage Limit
  • $5,000 Medical Payments
  • $250 Deductible


  • $524.30 for unlimited Auctions on or off your premises


  • $52.70 for each space you rent to others: offices, apartments, food areas, etc. (Lessors Risk)
  • $105.40 if you have a snack bar
  • $210.80 if you have a restaurant
  • $26.35 for each additional insured: landlord, etc.
  • $52.70 for storage/warehouse
  • $52.70 to increase aggregate to $2 million
  • $52.70 to increase per occurrence limit to $2 million
  • $105.40 for Hired/Non-Owned auto coverage
  • $131.75 for show booths (more than 4)
  • $26.35 for each mall booth
  • $52.70 if you have an office location
  • $210.80 if you conduct estate sales

Inventory Coverage

  • Can cover your inventory at any location: your auctions, your mall booth, storage, in your home, and at shows.
  • Covers furniture, fixtures & equipment.
  • Covers your inventory for collision, theft, and vehicle overturn while in transit
  • Covers consigned inventory in your care & custody.
  • NO coinsurance penalty, however it is recommended that you carry insurance to the maximum value (your cost) of your inventory.
      Any loss is cost based unless stated otherwise on the policy.
  • Deductibles starting at $250. A wind deductible is required in Florida and other coastal areas.
      A wind deductible/exclusion is required in Florida and other coastal areas based off your proximity to the coast.
  • Coverage includes fire, lightning, windstorm, earthquake, burglary, robbery, accidental breakage and vandalism. Does not cover mysterious disappearance (shoplifting) or flood.
      This is not a complete list of exclusions. See policy for a complete list.
  • Coverage on fine jewelry limited to $2,500 per claim.
  • Coins and Stamps are NOT covered.
  • Per item limit $5,000 – can be increased to $10,000 for an additional premium.
  • Shipping coverage up to $5,000 per occurrence.


Amount of Coverage Annual Premium Amount of Coverage Annual Premium
Over $50,000
Submit Application


  • LOSS OF INCOME-Coverage may be provided for loss of profit & continuing expenses should your business be interrupted by an insured peril.
  • EXTERIOR GLASS-Exterior glass coverage may be provided on non-owned buildings. (We will need a glass schedule with sizes & locations)
  • OUTDOOR SIGNS-Coverage for outdoor signs on or off premises.

Building Coverage

  • Coverage may be provided on buildings owned by you.
  • Complete the building section for a quote.
  • Coverage is “All Risk” excluding flood and earthquake.
  • Coverage may be provided on a replacement cost or a actual cash value (depreciated value) basis.
  • The standard deductible is $1,000 and may be increased up to $5,000. Wind deductible in Florida and other coastal areas.


Download Auctioneer Application

Current membership in the Association is required to be eligible for the dealer insurance benefit. Rates include all taxes & fees and are subject to change at any time. Coverage is subject to policy exclusions, endorsements and provisions. Policy will not be bound until approved by underwriter.