Liability Coverage

    • Covers liability at your auctions
    • 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

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.

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 Dealer 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.