Business insurance for furniture restorers and antiques dealer

Keep your company covered with bespoke AXA insurance

You might trade in mid-century tall-boys or ornamental Victoriana, Danish design classics or 70s kitsch. Maybe you only sell furniture, or maybe you specialise in collectibles – vintage toys or dolls, glassware, crockery or candlesticks.

Whatever you deal in, AXA’s business insurance for antique dealers and shop owners can help you protect your treasures, your premises and the people you’re working with.

What kind of cover do antique shops need?

If you have a bricks and mortar shop, then contents insurance will cover your premises, shop-front and the antique treasures you have in stock. We can also cover business interruption, meaning if your shop has had to close at any point, you are covered for loss of earnings.

If you sell online through your website, eBay or some other means, then business equipment insurance will help you to protect the electronic devices you use like mobiles, tablets and computers.

In the event of damage to stock covered by your contents section, the basis of claims settlement will be the cost price of stock to you as recorded in your stock books.

If you’re running an antiques business, public and products liability insurance can help you cover compensation costs and legal fees that come out as a result of a liability claim. Maybe someone trips and falls over a chaise longue and is injured, resulting in a claim.

Or perhaps a piece that you’ve provided is improperly finished or restored, causing damage to the floor of client’s property and they make a claim. Public and product liability will help you manage these claims.

And if you offer valuation services, then professional indemnity insurance can protect you in case of claims related to advice or recommendations that you provide.

Are the contents of my antique shop covered?

If you choose contents insurance, then you can cover the contents of your shop.

We’ll offer you accidental damage cover for your contents, business interruption – plus 24-hour glass replacement and access to a 24-hour emergency helpline, in case you need help in a hurry.

How do I get business insurance as an antique dealer?

The easiest way to find antique dealer insurance for you is to get a quote online.

Simply answer a few simple questions about your business and the type of work you carry out, and we’ll direct you to the insurance that’ll work for your needs.

And, if you want to buy, you’ll get a 10%* discount for buying online.

Are my employees covered under my antique shop insurance?

If you have employees, part-time or seasonal staff, then you can keep them covered in case of illness or injury with employers’ liability insurance.

You'll get:

• £10 million protection – for legal costs and compensation due
• Legal costs for health and safety law prosecution covered
• Up to 50 days' free cover for temporary workers
• £250 compensation a day court attendance compensation

What kind of antiques dealer insurance can I get?

Choose from the below covers and design the insurance to fit your business.

*This discount is applied automatically and lasts for the lifetime of your policy.