{"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":"2026-06-26T03:15:12","modified_gmt":"2026-06-26T07:15:12","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 Business Insurance for Thrift Stores\", \"description\": \"Insurance for thrift stores in Quebec: inventory, customer liability, theft, fire. Starting at $850\/year. Free quote in 2 minutes. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-entreprise-friperie\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Quebec, 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;\">THRIFT STORE<\/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>policy 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 liability<\/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;\">Policy issuance<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Thrift stores and second-hand shops have a <strong>unique risk profile<\/strong>: fluctuating inventory, irreplaceable items, dense clientele, sometimes located in 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 deductible $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\">Business Register \u2014 Quebec<\/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;\">Chamber of Insurance<\/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\": \"How much does thrift store insurance cost?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Between $850 and $3,500 per year for a store of 100 to 400 m\u00b2. The price depends on the value of the inventory, location (commercial street vs shopping center), the presence of an alarm system, and claims history. Basement thrift stores pay more (water damage risk).\"}}, {\"@type\": \"Question\", \"name\": \"Does my stock of used clothing really have value in the eyes of the insurer?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 the insured value is the <strong>retail replacement value, not the purchase price. If you resell a sweater for $20 that you bought for $2, the insurer compensates at the resale value. A professional appraisal or a photographed inventory protects your claim.\"}}, {\"@type\": \"Question\", \"name\": \"A customer falls in my store \u2014 am I covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through <strong>commercial general liability. Usual limit is $1M to $2M. Covers medical expenses, lost wages of the customer, and legal fees if sued. Falls account for 30% of claims in retail \u2014 keep aisles clear and report spills.\"}}, {\"@type\": \"Question\", \"name\": \"Are my consignment items insured?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Consignment items (belonging to a third party) require a specific endorsement. Without this endorsement, they are excluded. Declare the average consignment volume at underwriting. Additional cost: $100 to $300\/year.\"}}, {\"@type\": \"Question\", \"name\": \"I also sell online on Etsy or Shopify \u2014 am I covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Your commercial general liability covers online sales, but not cyber risks (hacking, fraud). Add <strong>e-commerce cyber insurance starting at $400\/year to cover online transactions, fraud, and customer data breaches.\"}}, {\"@type\": \"Question\", \"name\": \"A vintage item turns out to be counterfeit \u2014 am I being sued?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"If a customer sues you for counterfeiting or hidden defects, your <strong>product liability may apply depending on the circumstances. Document the sources and keep receipts. Some policies exclude proven counterfeiting \u2014 read the clauses with your insurance broker.\"}}, {\"@type\": \"Question\", \"name\": \"Can I cover a separate warehouse or storage location?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, by declaring all <strong>storage addresses at underwriting. Each location is evaluated separately. Failing to declare a warehouse may result in a claim denial.\"}}, {\"@type\": \"Question\", \"name\": \"Are damages caused by an unsupervised child covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Damage to store property by a child customer is generally <strong>not covered (\\\"own property\\\" exclusion). If the child is injured, your general liability applies. Install signage for parents and remove fragile items from child-accessible areas.\"}}, {\"@type\": \"Question\", \"name\": \"Do I need to declare my seasonal or pop-up sales?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 any <strong>temporary point of sale (flea market, pop-up, sidewalk sale) must be declared. A \\\"temporary events\\\" endorsement generally covers these sales for $50 to $200\/event.\"}}]}\n<!-- wpml:html_fragment <\/strong><\/script>  -->\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Business Insurance\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Thrift Store Business Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-entreprise-friperie\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>THRIFT STORE Insurance for thrift stores, vintage shops and second-hand shops Vintage clothing, retro furniture, used books, refurbished electronics: protect your unique [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":45286,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Thrift Store Insurance Quebec 2026 | Second hand & vintage prices","_seopress_titles_desc":"Insurance for thrift stores in Quebec: inventory, customer liability, theft, fire. 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