Shop Owner

Liability Coverage

  • Coverage for your shop & any show booths (up to 4)
  • 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


  • $292.42 per shop location
  • $131.75 for shows you do (over 4 shows)
  • $26.35 for each mall location you have a booth in
  • $26.35 for each additional insured: landlord, etc.
  • $52.70 to increase aggregate to $2 million
  • $52.70 to increase per occurrence limit to $2 million
  • $52.70 for each space you rent to others: offices, apartments, food areas, etc. (Lessors Risk)
  • $52.70 for each storage/warehouse
  • $52.70 for office location
  • $210.80 for a flea market or special event
  • $474.30 if you conduct auctions
  • $474.30 if you conduct estate sales
  • $105.40 if you have a snack bar
  • $210.80 if you have a restaurant
  • $105.40 for Hired/Mon-Owned auto coverage

Inventory Coverage

  • Can cover your inventory at any location: your shop, 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 Special Perils 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 Shop Owner 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.