Looking for Consignment Shop Insurance?
Protect your consignment business from inventory damage, customer injuries, theft, and bailee liability. Harper provides insurance for clothing consignment shops, furniture stores, and specialty resale boutiques, with fast certificates for landlords, consignors, and partners.
What is Consignment Shop Insurance?
Consignment shop insurance protects resale businesses against risks such as damage to consigned inventory, customer injuries, theft, and disputes over items held for sale. Coverage commonly includes bailee’s coverage for consignor property, general liability for store operations, and business property protection. Landlords and consignors often require proof of insurance before leasing space or consigning high-value items.
Who Needs Consignment Shop Insurance?
- Clothing consignment shops : Businesses requiring specialized insurance coverage
- Furniture and home goods resale stores : Businesses requiring specialized insurance coverage
- Luxury items and designer resale boutiques : Businesses requiring specialized insurance coverage
- Specialty consignment retailers : Businesses requiring specialized insurance coverage
Why Harper?
Consignment & Resale Expertise
Consignment businesses manage property they don’t own, which creates unique liability and trust concerns. Harper understands the risks associated with inventory handling, theft exposure, and consignor expectations and places coverage tailored to consignment and resale operations.
Fast Proof for Leasing and Consignment Agreements
Landlords and consignors often require proof of insurance before agreements are finalized. Harper delivers accurate certificates quickly and assists with additional insured requests to keep your store operational.
Clear, Practical Guidance
We explain bailee’s coverage, general liability, and property protection in clear terms so you understand how insurance applies to both consigned goods and your business assets.
Coverage Matched to Your Inventory
Whether you sell clothing, furniture, jewelry, antiques, or specialty items, Harper helps align coverage with the type and value of inventory you accept.
Frequently Asked Questions
What insurance do consignment shops need?
Most consignment shops need bailee’s coverage for consigned inventory, general liability for customer injuries, and property coverage for fixtures and owned items. Workers' compensation is required if you have employees.
Is consignment shop insurance required?
Often, yes. Commercial landlords typically require liability insurance as part of lease agreements. Consignors, especially those providing high-value items, may require proof of bailee’s coverage before placing goods in your shop.
How much does consignment shop insurance cost?
Costs vary based on inventory value and store size. Smaller shops may pay $800–$2,000 annually, while stores handling high-value or luxury inventory often pay $2,000-$6,000 or more.
Does insurance cover consigned items?
Yes. Bailee’s coverage is designed to protect consigned items from damage, theft, or loss while they are in your possession, subject to policy terms and coverage limits.
Does insurance cover shoplifting or theft?
Property and bailee’s coverage may include theft protection, but coverage terms vary. Insurers may consider security measures such as alarms, cameras, and inventory controls when underwriting coverage.
Can I add my landlord as an additional insured?
Yes. Lease agreements commonly require landlords to be added as additional insureds, and Harper assists with certificates and endorsements to meet lease requirements.