For Mall Owners
As an antique mall or store owner, you carry insurance to protect your building, your business, and your livelihood. But your policy has limits — and those limits don't extend to the dozens of dealers operating within your walls. Here's why encouraging your dealers to carry their own AntiquePak policies is one of the smartest things you can do for your business.
As a mall owner, your property insurance covers the building and common areas — not the merchandise in each dealer's booth. If a dealer's inventory is damaged by fire, water, or theft, your policy will not respond to their loss. Without their own coverage, that dealer absorbs the entire loss personally.
If a customer is injured near a dealer's booth — trips on a display, is struck by falling merchandise, or is harmed by a product a dealer sold — the liability claim may be directed at the dealer, the mall, or both. When dealers carry their own General Liability coverage, they bring their own defense and limits to the table, reducing the exposure to your policy.
AntiquePak dealer policies list the Antique Mall/Store owner as an "Additional Insured," This means your business is named on their policy and afforded coverage under it — an important layer of protection that costs you nothing and requires no action on your part beyond encouraging enrollment. We will send you a Certificate of Liability Insurance for every Dealer who purchases the AntiquePak policy, showing you as "Additional Insured," thus placing $2,000,000 of General Liability coverage between a claim caused by a dealer's negligence and your policy & rates.
When a loss occurs and a dealer has no coverage, the natural instinct is to look for someone to blame — and that often means the mall owner. Dealers who carry their own policies have a clear, defined process for handling their claims. It keeps losses contained and relationships intact.
Requiring or encouraging dealers to carry insurance signals that your mall operates professionally. It protects your reputation, reduces your risk exposure, and demonstrates to prospective tenants that you run a well-managed operation.
AntiquePak dealer policies are designed specifically for antique mall vendors. Coverage is affordable, straightforward, and can be in place quickly. We make it easy for you to share information about AntiquePak with your dealers — and we're happy to speak with them directly.
We're happy to help. Reach out and we'll provide you with materials you can share with your vendors — or speak with them directly on your behalf.