Insurance for Collectibles Businesses

Quick quotes. Comprehensive coverage. Tailored to collectibles businesses.

Why do collectibles businesses need insurance?

Businesses that deal with collectible goods and antiques typically face significant property and liability risks, given the high value nature of their inventory and chance for on-site injuries, slips, falls, and accidental damage of goods.

What coverage do collectibles businesses need?

General Liability

General Liability (GL) protects your business from legal claims and liability that arise from your operations. Collectibles businesses may have showrooms or shops in which customers can get injured accidentally, which can present a significant financial risk.

Learn more about general liability.

Business Owner’s

Business Owner’s (BOP) combines your liability and property coverages to protect you from liability lawsuits, theft, and lost business income.

Learn more about business owner's.

Product Liability

Product liability protects collectibles stores in the event of damages or harm resulting from a product that was sold to a customer. Antiques can be particularly risky due to being old, having seen many owners, and possibly being manufactured with harmful chemicals.

Learn more about product liability.

Workers’ Compensation

Workers’ compensation ensures that your employees are covered from on-site injury and illness, including lost wages and medical expenses.

Learn more about workers' compensation.

Umbrella Insurance

Umbrella insurance extends the coverage and limits of your existing policies and provides additional coverage specific to your business.

Learn more about umbrella insurance.

What coverage do collectibles businesses need?

Business Owner’s

Business Owner’s (BOP) combines your liability and property coverages to protect you from liability lawsuits, theft, and lost business income.

Learn more about business owner's.

General Liability

General Liability (GL) protects your business from legal claims and liability that arise from your operations. Collectibles businesses may have showrooms or shops in which customers can get injured accidentally, which can present a significant financial risk.

Learn more about general liability.

Product Liability

Product liability protects collectibles stores in the event of damages or harm resulting from a product that was sold to a customer. Antiques can be particularly risky due to being old, having seen many owners, and possibly being manufactured with harmful chemicals.

Learn more about product liability.

Workers’ Compensation

Workers’ compensation ensures that your employees are covered from on-site injury and illness, including lost wages and medical expenses.

Learn more about workers' compensation.

Umbrella Insurance

Umbrella insurance extends the coverage and limits of your existing policies and provides additional coverage specific to your business.

Learn more about umbrella insurance.

Cyber Insurance

Cyber insurance covers your business against expenses and liability in the event of a data breach involving sensitive personal information.

Learn more about cyber insurance.

What types of collectibles businesses can Oyster cover?

Oyster can cover most types of collectibles businesses, including goods (trading cards, stamps, coins, fine art, jewelry, and other collections), and more.

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Resources to protect your business

We have curated an ever-expanding library of articles to help you understand insurance and reduce risk exposure.

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Frequently asked questions

How do I get a quote for my business?

How much does insurance cost?

How do I get a certificate of insurance (COI)?

Can I add to or expand my coverage?

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