From valuable collectibles to one-of-a-kind treasures, antique stores face unique risks every day. Eastern Insuring Agency helps New York antique stores stay protected with coverage designed for your business.
Antiques, collectibles, and vintage items are prime targets for theft and accidental damage.
Antiques, collectibles, and vintage items are prime targets for theft and accidental damage.
Fire, water damage, and equipment failures can threaten your building and inventory.
A covered loss can stop your business and impact your income.
Covers your building, contents, fixtures, furniture, and inventory.
Protects against bodily injury, property damage, and personal injury claims.
Provides broader coverage for antiques and collectibles inside and outside your premises.
Helps replace lost income if you can't operate due to a covered loss.
Covers business-owned vehicles used for deliveries, purchases, and errands.
Covers medical costs and lost wages if you have employees.
Covers the repair or replacement of vital equipment and systems.
Helps protect against data breaches, cyber threats, and online fraud.
Adds an extra layer of liability protection above your primary policies.
Protects against employee disputes, harassment claims, and more.
Your past losses and claim trends
Value, uniqueness, and documentation of inventory
Alarms, cameras, locks, and overall security
Fire extinguishers, sprinklers, and fire prevention systems
Building condition, roof, plumbing, electrical, and upkeep
Neighbourhood risks, proximity to fire stations, and flood zones
Years in business and management experience
Business finances and cash flow strength
How items are stored, displayed, and transported
Theft of valuable antiques, collectibles, and cash.
Customers can slip or trip due to spills, rugs, or cluttered walkways.
Items can be broken while handling, moving or during display.
Fires can destroy inventory, furniture, and the building.
Leaking roofs, pipes, or storms can damage valuable items.
HVAC, refrigeration, or electrical failures can stop operations.
Antique stores generally require General Liability, Commercial Property, and Inland Marine insurance.
Yes, you need "property of others" coverage since standard policies often exclude items you don't own.
Yes, off-site coverage is typically available through an Inland Marine policy or an exhibition endorsement.
Standard commercial property policies usually exclude accidental breakage for fragile items like antiques.
Most modern insurance providers can issue a Certificate of Insurance (COI) on the same day you request it.
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