Retail & E-commerce

Thrift Store Insurance in Ontario

Second-hand goods, first-rate coverage.

Thrift retail sells goods with unknown histories — used electronics, furniture, and children's items carry product exposure without a manufacturer's paper trail, alongside donation-intake and high-traffic premises risk.

We insure thrift and consignment stores, non-profit or commercial, with product wording suited to second-hand goods.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Product liability for goods you make, sell, or distribute
Contents and stock coverage for inventory, furnishings, and supplies
Commercial crime coverage for theft and employee dishonesty
Business interruption to replace lost income after a covered loss

Good to know

Frequently asked questions

Am I liable for a used product I resold?: Sellers of second-hand goods still carry liability — especially for items with safety standards (cribs, helmets, electronics). Screening donations against recall lists is the discipline; product liability is the coverage.
How much does thrift store insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get thrift store insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Product liability for goods you make, sell, or distribute

Contents and stock coverage for inventory, furnishings, and supplies

Commercial crime coverage for theft and employee dishonesty

Business interruption to replace lost income after a covered loss

Frequently asked questions

Am I liable for a used product I resold?

Sellers of second-hand goods still carry liability — especially for items with safety standards (cribs, helmets, electronics). Screening donations against recall lists is the discipline; product liability is the coverage.

How much does thrift store insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get thrift store insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.