Antiques insurance, shopped across 20+ carriers
An insurance package for antique dealers combining a BOP with agreed-value or scheduled coverage for high-value, one-of-a-kind inventory that standard property forms may undervalue.
- 20+ carriers compared
- Licensed in 5 states
- Local Las Vegas agents
- No-obligation quote
Affordable antiques insurance in NV, AZ, UT, TX & OH
Retail antique shops, consignment dealers, and antique-mall booth operators in NV, TX, OH, UT, or AZ holding inventory that replacement-cost property policies may fail to cover adequately.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Antiques insurance at a glance
- Specialized inventory coverage is essential. Standard BOP property forms pay replacement cost for generic goods; antiques are one-of-a-kind, so agreed-value or scheduled coverage is required to recover true market value.
- No state license required, but leases often demand proof of insurance. Nevada does not require a retail license for antique dealers, but mall operators and commercial landlords routinely require a certificate of insurance as a lease condition.
- Theft is a top loss driver for antique shops. High-value, portable inventory — jewelry, silver, art — is a prime target; crime coverage for employee dishonesty and commercial burglary is an important add-on.
- Las Vegas antique corridors draw significant foot traffic. High customer volume increases slip-and-fall exposure, making premises general liability critical for shops in the Spring Valley, Downtown Arts District, and Antique Alley areas.
Source: Insureon: retail businesses pay an average of $42/month ($500/yr) for general liability and $95/month ($1,136/yr) for a BOP. Source: Insureon, Retail Business Insurance Costs (2025), insureon.com/retail-business-insurance/cost.
Coverage explained
What antiques insurance covers
The details
The parts of a antiques policy
| Coverage | What it covers | Typically |
|---|---|---|
| General Liability | Pays for customer bodily injury and property damage in your showroom, including accidents involving fragile displayed merchandise. | Recommended |
| Commercial Property | Covers the store building or leasehold improvements and your owned antique inventory against fire, theft, and vandalism. | Recommended |
| Business Owners Policy (BOP) | Bundles general liability, commercial property, and business income for antique retailers at a single combined premium. | Recommended |
| Agreed Value or Blanket Stock Coverage | Pays a pre-agreed value for irreplaceable antique inventory rather than depreciated replacement cost, preventing under-settlement after a total loss. | Recommended |
| Bailees Customer Goods | Covers damage or theft of consigned antiques or items left by customers for appraisal or repair while in your possession. | Recommended |
| Business Income | Replaces lost revenue and covers fixed expenses if fire, water damage, or another covered event closes the store temporarily. | Recommended |
| Workers Compensation | Pays medical and wage-replacement benefits to employees injured on the job and shields the business from related lawsuits. | Required |
| Crime and Employee Dishonesty | Reimburses losses from employee theft of high-value antique stock or cash from the register. | Optional |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does antiques insurance work?
An antique store's core exposure is its inventory: pieces are one-of-a-kind, often impossible to replace at cost, and standard commercial property policies use actual cash value or replacement cost formulas that fail to capture true market value. A customer who breaks a fragile display piece, or a fire that destroys an entire collection on consignment, can produce losses that exceed generic policy limits. Antique dealers need agreed-value or blanket-stock coverage with a high enough limit to reflect current appraised values, combined with general liability for the many browsers who walk through a densely stocked showroom. If you accept goods on consignment from private collectors, bailees customer goods coverage protects you from liability when those items are damaged or stolen while in your care.
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
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Ways to save on antiques insurance
- Bundle with a BOP. Packaging general liability and property under one Business Owners Policy is typically less expensive than buying both policies separately.
- Install monitored alarm and security cameras. Carriers reward documented theft-deterrent systems with lower crime and property premiums.
- Schedule only your highest-value pieces. Scheduling individual items over a stated threshold instead of blanketing all inventory focuses premium on the items that truly need agreed-value treatment.
- Maintain a current, detailed inventory appraisal. An up-to-date independent appraisal prevents coverage gaps and can reduce disputes, and some carriers reward well-documented inventory with better rates.
- Pay your annual premium in full. Most carriers offer a discount of 3–8% for paying the full policy year upfront rather than monthly.
- Keep a clean claims history. Three or more years without a loss typically qualifies for an experience-modification discount at renewal.
Source: Bundling general liability and property in a BOP can save retail businesses versus buying separately. Source: Insureon, Business Owner's Policy Cost (2025), insureon.com/small-business-insurance/business-owners-policy/cost.
Questions
Antiques insurance FAQ
Why is replacement-cost coverage a problem for antiques?
Are consignment items owned by others covered?
How much does antique store insurance cost?
Does my BOP automatically cover items on consignment from other owners?
What is the difference between agreed value and actual cash value for antiques?
Am I covered if I take inventory to an antique show or off-site sale?
More coverage