What We Cover
Coverage & Pricing
Insurance written for the antiques trade.
Standard commercial policies weren't designed with antique malls or dealers in mind. Coverage limits are too low, exclusions are too broad, and adjusters don't understand the market value of what you've collected.
AntiquePak policies are built from the ground up for this industry — with coverage terms, limits, and claims handling that actually make sense for your business.
"The adjuster who handled my claim actually knew what a Crosley radio was worth. That's never happened with any other insurer."
— James R., Dealer, 14 years
For Individual Dealers
Your Booth. Your Inventory. Covered.
Whether you rent one booth or ten, your inventory represents years of sourcing, knowledge, and investment. Protect it properly.
View Coverage Details →Protect the Inventory you've collected
Your merchandise is protected from fire, wind, water damage, and more. All with a 25% automatic increase for peak-season(s).
Booth Liability
If a customer is injured at your booth or claims a purchased item caused harm, this coverage protects you from the resulting legal and medical costs.
Off-Site, Transit & Show Coverage
Coverage follows your inventory to antique shows, flea markets, estate sales, and other off-site events — not just your permanent booth location.
Theft & Vandalism
Covers losses from break-ins, shoplifting, and malicious damage. Antiques are high-value targets; this coverage is essential.
Newly Acquired Items
Automatic coverage for new acquisitions for up to 30 days, giving you time to report additions without a gap in protection.
Private Commercial Insurance Pages
As a FREE service, we provide our AntiquePak clients a password-protected, private page for all insurance docs. No longer will you have to use 3-ring binders to keep your insurance documents organized. We'll do it for you!
For Mall Owners
Protecting the Whole Operation
Running an antique mall means managing a complex property with dozens of tenants. Your coverage needs to match that complexity.
View Coverage Details →Building & Other Structures
Coverage for the physical building against fire, storm, water damage, and other covered perils. Includes attached structures, outdoor signs and permanent fixtures.
Common Area Liability
Protection if a visitor is injured in shared spaces — aisles, restrooms, parking lots, or entryways — and holds you responsible.
Loss of Rental Income
If a covered event forces a temporary closure, this replaces the booth rental income you'd otherwise lose during the recovery period.
Equipment & Fixtures
Coverage for point-of-sale systems, security cameras, display cases, lighting, and other equipment essential to running the mall.
Business Interruption
Keeps your operating expenses covered — utilities, staff, loan payments — while you're closed due to a covered loss.
Private Commercial Insurance Pages
As a FREE service, we provide our AntiquePak clients a password-protected, private page for all insurance docs. No longer will you have to use 3-ring binders to keep your insurance documents organized. We'll do it for you!
Pricing
Straightforward Plans
No hidden fees, no confusing tiers. Pick the plan that fits your situation, or talk to an agent to build something custom.
Active dealers
AntiquePak-Dealer
Full Coverage for dealers, from single booths to multiple locations.
- Starting at $40,000 inventory & fixtures coverage
- General Liability ($2M per occurrence)
- Business Income - 12 mos. Actual Loss Sustained
- Off-site, Transit & Show coverage
- Newly acquired items above inventory limit (30-days)
- Antique Mall/Store (your landlord) listed as "Additional Insured"
- Premiums collected through the ease of monthly electronic withdrawal from your bank account
Mall operators
AntiquePak-Mall Owner
Comprehensive coverage tailored to the size and structure of your mall or store.
- Building, inventory & fixtures coverage
- General Liability ($2M per occurrence)
- Business interruption & loss of rental income
- Computers & POS systems, equipment & fixtures
- Crime, Commercial Auto, Workers' Comp. & more
- Premiums collected through the ease of monthly electronic withdrawal from your bank account
All plans include a dedicated claims specialist familiar with the antique trade. Prices shown are starting rates — final pricing based on inventory value and location.
Common Questions
Frequently Asked Questions
Does my homeowner's policy cover my booth inventory?
Most homeowner policies cap coverage for business property at $1,000–$2,500 and exclude business liability entirely. If you're running a dealer booth, a dedicated policy is essential.
Am I covered at antique shows outside my regular booth?
With the AntiquePak policy, YES! $10,000 off-site, transit and show coverage travels with your inventory to fairs, shows, and estate sales.
Can the mall owner's policy cover dealer liability too?
The mall owner policy covers common areas and building liability. Individual dealers are responsible for their own booth liability and inventory — which is why we offer affordable dealer plans.
How quickly are claims handled?
We target a 24-hour initial response on all claims. A specialist familiar with the antiques trade will handle your case.
Still have questions about what's right for you?
Our agents specialize in the antique trade. They can walk you through your options, help you select an appropriate inventory limit, and find the right fit — without pressure.