{"id":21211,"date":"2025-08-11T13:26:49","date_gmt":"2025-08-11T17:26:49","guid":{"rendered":"https:\/\/www.assur360.ca\/?page_id=21211"},"modified":"2026-04-20T15:17:26","modified_gmt":"2026-04-20T19:17:26","slug":"business-thrift-store-insurance-quote-in-less-than-3-minutes","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/business-thrift-store-insurance-quote-in-less-than-3-minutes\/","title":{"rendered":"Thrift Store Business Insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Assurance entreprise friperie\", \"description\": \"Assurance pour friperie au Qu\u00e9bec : inventaire, RC clients, vol, incendie. D\u00e8s 850 $\/an. Soumission gratuite en 2 minutes. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-entreprise-friperie\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Qu\u00e9bec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">FRIPERIE<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Insurance-for-thrift-stores-vintage-shops-and-second-hand-shops\"><\/span>Insurance for thrift stores, vintage shops and second-hand shops<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Vintage clothing, retro furniture, used books, refurbished electronics: protect your unique inventory with a <strong>font suitable for the second-hand trade<\/strong>.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Starting at $850<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Annual premium<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">$1M to $2M<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Standard RC<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">7 days<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Police show<\/div>\n  <\/div>\n<\/div>\n\n<p>Thrift stores and second-hand shops have a <strong>unique risk profile<\/strong> : fluctuating inventory, irreplaceable items, dense clientele, sometimes converted into old buildings. The right business insurance protects your inventory at its fair replacement value, covers liability for customers who fall or are injured in-store, and covers losses related to theft, vandalism, fire, or water damage \u2014 common in commercial basements. <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-entreprise-friperie.jpg\" alt=\"Thrift store \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Insurance-for-thrift-store-businesses\"><\/span>Insurance for thrift store businesses<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Thrift stores (second-hand clothing, antiques) have a <strong>varied inventory of significant cumulative value<\/strong>. Risks: theft, fire (textiles), water (stains), and product liability (defective clothing). <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>To add:<\/strong> <em>used merchandise<\/em> warranty (second-hand goods are sometimes excluded from standard retail policies) and coverage for <em>pop-up stores and second-hand<\/em> marketplaces.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-essential-protections-for-a-thrift-store\"><\/span>The 6 essential protections for a thrift store<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Content and inventory<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Stock of clothes, furniture, accessories, books. Valuation at retail or replacement value. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Customer and visitor liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">In-store injuries (falling, falling shelf), damage to a customer&#8217;s property.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Theft and vandalism<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Break-in, recurrent shoplifting, vandalism. Usual deduction $500 to $2,500. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Fire and water damage<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Complete replenishment of stock and trade in the event of a major disaster.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Business interruption<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Compensation for income lost during the closure following a disaster (3 to 12 months).<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">E-commerce<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">If you sell online (Etsy, Shopify, Facebook Marketplace): fraud and data leak coverage.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\">In thrift stores, <strong>stock valuation<\/strong> is the classic trap. Many homeowners underinsure by declaring the purchase value (often minimal for second-hand) rather than the <strong>retail replacement value<\/strong>. In the event of a total loss, the compensation will be calculated on the basis of the declared value. Take a monthly photo inventory and ask for a business appraisal at least annually.   <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does thrift store insurance cost?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Between $850 and $3,500 per year for a 100 to 400 m\u00b2 store. The price depends on the value of the stock, the location (commercial street vs. shopping center), the presence of an alarm system and the history of claims. Thrift stores in the basement pay more (risk of water damage).  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Does my stock of used clothes really have value in the eyes of the insurer?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 the insured value is the <strong>retail replacement value<\/strong>, not the purchase price. If you resell a shirt for $20 bought for $2, the insurer compensates at the resale value. A professional appraisal or photographed inventory protects your claim.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A customer falls in my store \u2014 am I covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via <strong>commercial civil liability<\/strong>. Usual limit $1 million to $2 million. Covers medical expenses, loss of the client&#8217;s wages, and legal fees if sued. Falls account for 30% of retail claims \u2014 keep driveways clear and report spills.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are my consignment items insured?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Consignment<\/strong> items (owned by a third party) require a specific endorsement. Without this amendment, they are excluded. Report the average volume of deposits at the time of subscription. Additional cost: $100 to $300\/year.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">I also sell online on Etsy or Shopify \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Your commercial liability insurance covers online sales, but not cyber risks (hacking, fraud). Add <strong>e-commerce cyber insurance<\/strong> as little as $400\/year to cover online transactions, fraud and customer data leakage. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A vintage item turns out to be counterfeit \u2014 am I being sued?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">If a customer sues you for counterfeiting or hidden defects, your <strong>product liability<\/strong> can intervene depending on the circumstances. Document provenances and keep receipts. Some policies exclude proven infringement \u2014 read the clauses with your broker.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Can I cover a separate warehouse or storage room?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, by declaring all <strong>storage addresses<\/strong> at the time of subscription. Each room is evaluated separately. Forgetting to declare a warehouse may result in a claim being denied.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Is damage by an unsupervised child covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Damage to store property by a child customer is generally <strong>not covered<\/strong> (exclusion of &#8220;own property&#8221;). If the child is injured, your RC applies. Install parent signage and remove fragile items from child access areas.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Do I have to declare my seasonal or pop-up sales?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 any <strong>temporary outlets<\/strong> (flea market, pop-up, sidewalk sale) must be declared. A &#8220;temporary events&#8221; endorsement typically covers these sales for $50 to $200\/event. <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Thrift-stores-and-vintage-shops-throughout-Quebec\"><\/span>Thrift stores and vintage shops throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports businesses throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. From thrift stores in Montreal&#8217;s Mile End to vintage boutiques in Quebec City and Sherbrooke, to second-hand stores in Laval and Gatineau, our brokers know the particularities of Quebec retail. <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/retail-insurance-online-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Retail Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-boutique-de-vetements\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Clothing boutique insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">General Contractor Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/cyber-insurance-for-businesses-in-quebec-protect-your-data-2026\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">E-commerce insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.cqcd.org\/\" rel=\"nofollow noopener\" target=\"_blank\">Quebec Retail Council<\/a><\/li>\n<li><a href=\"https:\/\/www.quebec.ca\/entreprises-et-travailleurs-autonomes\/obtenir-immatriculation-entreprise\" rel=\"nofollow noopener\" target=\"_blank\">Registraire des entreprises \u2014 Qu\u00e9bec<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">ChAD<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance pour friperie ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Entre 850 $ et 3 500 $ par ann\u00e9e pour une boutique de 100 \u00e0 400 m\u00b2. Le prix d\u00e9pend de la valeur du stock, de la localisation (rue commerciale vs centre commercial), de la pr\u00e9sence d'un syst\u00e8me d'alarme et de l'historique de sinistres. Les friperies en sous-sol paient davantage (risque d\u00e9g\u00e2t d'eau).\"}}, {\"@type\": \"Question\", \"name\": \"Mon stock de v\u00eatements usag\u00e9s a-t-il vraiment de la valeur aux yeux de l'assureur ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 la valeur assur\u00e9e est la <strong>valeur de remplacement au d\u00e9tail, pas le prix d'achat. Si vous revendez 20 $ un chandail achet\u00e9 2 $, l'assureur indemnise \u00e0 la valeur de revente. Une \u00e9valuation professionnelle ou un inventaire photographi\u00e9 prot\u00e8ge votre r\u00e9clamation.\"}}, {\"@type\": \"Question\", \"name\": \"Un client chute dans mon magasin \u2014 suis-je couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via la <\/strong><strong>responsabilit\u00e9 civile commerciale. Limite usuelle 1 M$ \u00e0 2 M$. Couvre les frais m\u00e9dicaux, la perte de salaire du client et les frais juridiques si poursuite. Les chutes repr\u00e9sentent 30 % des r\u00e9clamations en commerce de d\u00e9tail \u2014 gardez les all\u00e9es d\u00e9gag\u00e9es et signalez les d\u00e9versements.\"}}, {\"@type\": \"Question\", \"name\": \"Mes articles en consignation sont-ils assur\u00e9s ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les articles en <\/strong><strong>consignation (appartenant \u00e0 un tiers) n\u00e9cessitent un avenant sp\u00e9cifique. Sans cet avenant, ils sont exclus. D\u00e9clarez le volume moyen de consignation \u00e0 la souscription. Co\u00fbt additionnel : 100 $ \u00e0 300 $\/an.\"}}, {\"@type\": \"Question\", \"name\": \"Je vends aussi en ligne sur Etsy ou Shopify \u2014 couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Votre RC commerciale couvre les ventes en ligne, mais pas les risques cyber (piratage, fraude). Ajoutez une <\/strong><strong>cyberassurance e-commerce d\u00e8s 400 $\/an pour couvrir les transactions en ligne, la fraude et la fuite de donn\u00e9es clients.\"}}, {\"@type\": \"Question\", \"name\": \"Un article vintage s'av\u00e8re contrefait \u2014 suis-je poursuivi ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Si un client vous poursuit pour contrefa\u00e7on ou vice cach\u00e9, votre <\/strong><strong>RC produits peut intervenir selon les circonstances. Documentez les provenances et gardez des re\u00e7us. Certaines polices excluent la contrefa\u00e7on av\u00e9r\u00e9e \u2014 lisez les clauses avec votre courtier.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je couvrir un entrep\u00f4t ou un local de stockage s\u00e9par\u00e9 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, en d\u00e9clarant toutes les <\/strong><strong>adresses d'entreposage \u00e0 la souscription. Chaque local est \u00e9valu\u00e9 s\u00e9par\u00e9ment. Oublier de d\u00e9clarer un entrep\u00f4t peut entra\u00eener le refus d'une r\u00e9clamation.\"}}, {\"@type\": \"Question\", \"name\": \"Les dommages par un enfant non surveill\u00e9 sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les dommages aux biens du magasin par un enfant client ne sont g\u00e9n\u00e9ralement <\/strong><strong>pas couverts (exclusion \u00ab own property \u00bb). Si l'enfant se blesse, votre RC s'applique. 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