🏷️ Thrift Stores

Thrift Store Insurance

Insurance for thrift stores, consignment shops, and resale organizations across Arizona. Protect your retail operations, inventory, staff, and customers.

Fast quotes — often within 24 hours
🏆A-rated carriers only
📋Same-day certificates

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Protect your organization — fill out the form below.

No obligation. Protect your mission.

Unique Risks We Address

Every thrift stores faces specific risks. We make sure you're covered.

Customer slip & falls
Product liability (donated goods)
Employee injuries
Shoplifting & theft
Loading dock accidents
POS data breaches
Donation drop-off injuries
Fire risk from stored goods
Coverage Options

Recommended Coverage

Tailored insurance products for thrift stores operations.

🛡️

General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

  • Premises liability
  • Operations coverage
  • Personal & advertising injury
  • Medical payments
🏢

Property & Contents

Covers your building, furnishings, equipment, and inventory against fire, theft, vandalism, and natural disasters.

  • Building coverage
  • Contents & equipment
  • Business interruption
  • Valuable papers
⚙️

Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

  • Medical expenses
  • Lost wages
  • Rehabilitation
  • Employer liability
👔

Directors & Officers (D&O)

Shields board members, officers, and volunteers from personal liability for organizational decisions.

  • Wrongful acts defense
  • Employment claims
  • Breach of duty
  • Regulatory actions
💻

Cyber Liability

Protects against data breaches, ransomware attacks, and the costs of notifying affected individuals.

  • Data breach response
  • Ransomware coverage
  • Notification costs
  • Credit monitoring
🚗

Commercial Auto

Covers vehicles owned, leased, or used by your organization for transporting clients, supplies, or staff.

  • Owned vehicles
  • Hired & non-owned auto
  • Client transport
  • Volunteer drivers

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

Are we liable for injuries caused by products we sell?
Potentially yes. General Liability includes Products & Completed Operations coverage which responds to claims from defective donated items that injure buyers.
Does property insurance cover fluctuating inventory?
Yes. We work with carriers that offer flexible valuation methods for thrift store inventory since donated goods have constantly changing values.
What about our donation pickup trucks?
Commercial Auto insurance covers your donation vehicles. If employees use personal vehicles, Hired & Non-Owned Auto fills the gap.
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Protect Your Thrift Stores Today

Get the right coverage at the right price. We'll shop the market for you.