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Shop Owner

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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, false arrest & false advertising
  • $1,000,000 Limit Each Occurrence
  • $1,000,000 General Aggregate Policy Limit
  • $1,000,000 Product Liability Limit
  • $1,000,000 Personal & Advertising Liability Limit
  • $100,000 Fire Damage Limit
  • $5,000 Medical Payments
  • $250 Deductible
  • $292.42 per shop location

  • Optional Liability Coverage
  • $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. (all locations where your merchandise is stored must be listed on the aplication)
  • Covers furniture, fixtures & equipment.
  • Covers your property for collision, theft, and vehicle overturn while in transit
  • Covers consigned property in your care & custody.
  • NO coinsurance penalty, however it is recommended that you carry insurance to the maximum cost value of your inventory.
  • Any loss settlement is cost based
  • Deductibles starting at $250. A wind deductible is required in Florida and other coastal areas.
  • Coverage includes fire, lightning, windstorm, earthquake, burglary, robbery, accidental breakage and vandalism. Does not cover mysterious disappearance (shoplifting) or flood.
  • Coverage on fine jewelry limited to $2,500 per claim.
  • Coins and Stamps are NOT covered.
  • This is not a complete list of exclusions & limitations
  • Per item limit $5,000-can be increased to $10,000.
  • Shipping coverage up to $5000 per occurrence.
Amount of Coverage
Annual Premium
Amount of Coverage
Annual Premium
Over $50,000

Optional Property Coverages
  • 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 & location)
  • OUTDOOR SIGNS-Coverage for outdoor signs on or off premises.
  • Rates available upon request
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.
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. The information listed above is only an overview and is not a complete listing of policy details. Coverage is subject to policy exclusions, endorsements and provisions. Policy will not be bound until approved by underwriter.


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