🏷️ Insurance built for thrift & consignment stores

Coverage as steady as your storefront.

From donation intake to the sales floor, your thrift or consignment store carries real risk. Get General Liability and Property coverage, including options for a vacant building, condo, home, or land. Request a fast, free quote.

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Racks of secondhand clothing inside a thrift store

Fast, free quotes

Request coverage in a few minutes

GL & Property

The coverage resale stores need most

Vacant property options

Building, condo, home, or land

Built for landlords & leases

Meet certificate of insurance requirements

Coverage every resale store should know

Most stores start with these. We'll help you request the right mix for your operation.

Shopper browsing racks of secondhand clothing in a consignment shop

General Liability

Protects your business if a customer is injured or property is damaged in your store, and can respond to claims tied to items you resold. Landlords and lenders almost always require it.

Learn about GL for thrift stores →

Interior of a small consignment shop with clothing on display

Property Coverage

Covers your building (if you own it), inventory, fixtures, and equipment against fire, storm, theft, and other covered losses — including options for a vacant location while you're between tenants or renovating.

Learn about vacant property coverage →

Have a consignment shop or a vacant property between tenants? We can quote those too:

👗 Consignment Shop Insurance 🌾 Vacant Land 🏢 Vacant Condo 🏠 Vacant Home

5 risks every thrift store should insure against

A quick list to think through before you request a quote.

1
A customer slips or trips in the store
Crowded racks, narrow aisles, and stacked donation bins are common trip hazards. General Liability responds if a shopper is hurt on your premises.
2
A donated item causes injury after resale
Secondhand furniture, appliances, and baby gear can carry hidden defects. Product liability coverage can respond to claims tied to items you sold.
3
Fire or water damage to inventory
A single bad day can wipe out racks of donated clothing or furniture. Property coverage protects your inventory and the building if you own it.
4
An employee is hurt lifting donations
Moving furniture, boxes, and bulk donations is physical work. Employees who are hurt on the job can mean medical bills and lost-wage claims.
5
A landlord or lease requires proof of insurance
Most commercial leases require a certificate of insurance, often naming the landlord as an additional insured, before you can even move in.

How it works

Tell us about your store

Share a few details — what you sell, address, gross receipts, and the coverage you want.

We review your request

Your details are reviewed so someone can find fitting options for your store.

Get covered

Compare options and get the right coverage in place for your store or vacant property.

Request your free quote

Takes about 3 minutes. No obligation.

Your contact information

First Name *

Last Name *

Email *

Phone *

About your store

Business Name / DBA *

Business Type

Describe your store (what you sell, donation intake, storefront or online, etc.)

Business address

Street Address *

City *

State *

ZIP *

Business details

Estimated Gross Receipts (next 12 months) *

Number of Owners Active in the Business *

Business Tax ID (EIN) (optional)

Employees & subcontractors

Do you have any employees? *

Do you use any 1099 subcontractors? *

Do you sell any of the following? (check all that apply)

Manufacturing

Do you manufacture any products, or relabel/repackage products under your own brand name for resale? *

What coverage would you like? *

General Liability only

Third-party bodily injury and property damage coverage.

General Liability + Property package

Adds coverage for a building, business personal property, and more.

Claims & contract requirements

Any insurance claims in the last 5 years? *

Do you have specific contract requirements to meet? *For example, a landlord or venue's certificate of insurance requirement.

5 questions still need an answer before you can submit.

By checking this box, I agree to be contacted by Thrift Store Insurance and its insurance partners at the phone number provided, including by automated calls, prerecorded messages, and text messages (SMS), about my request. Consent is not required to purchase. Msg & data rates may apply; reply STOP to opt out. I agree to the Privacy Policy and Terms of Service.

🔒 Your information is secure and never sold to third parties. Submitting a request does not bind, guarantee, or confirm coverage.

General information only. This page is for educational purposes and is not insurance, legal, or financial advice. Coverage, terms, and availability vary by carrier, state, and individual risk. See our full disclaimer.