Protect your thrift store and meet Texas's legal requirements

Your thrift store gives secondhand treasures a new life – from vintage furniture to gently worn clothing. But your awesome business also faces unique risks. One surprise expense (a fire that wipes out inventory or an employee who wrecks his back lifting furniture) can put your whole business at risk. That’s why thrift store owners across Texas look for affordable insurance that meets state requirements and protects their property, team and income. This guide breaks down:

Texas's required coverages
The most recommended protections
How to save money on thrift store insurance
How to compare fast quotes from top carriers

QUICK SUMMARY (Because we know you have a lot going on!)

Thrift stores in Texas face specific risks that require customized insurance coverage.
A Business Owner’s Policy for thrift stores saves you money by bundling general liability, property insurance and optional business interruption coverage.
General liability insurance for thrift stores covers injuries and damages caused by your business, as well as advertising-related claims.
Property insurance for thrift stores helps replace or repair damaged equipment, furnishings and inventory.
Workers’ compensation for thrift store employees is not required by Texas but recommend to cover employee injuries.
Commercial auto insurance for is legally required if you use vehicles (such as for donation pickups or deliveries)
Crime insurance for thrift stores helps owners cover the costs of employee theft.
Commercial umbrella for thrift stores provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value.

FIVE BEST INSURANCE COVERAGES FOR TEXAS THRIFT STORES:

Here are five essential coverages every thrift store owner should consider to stay protected and profitable:

1. Business Owner's Policy for thrift stores

A business owner’s policy (BOP) is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing establishments. Your BOP typically includes:

GENERAL LIABILITY for thrift store owners covers legal and medical costs if a customer or other visitor is injured or their property is damaged in your store. It also protects you from advertising-related claims. Examples:

A shopper slips on a wet floor and breaks their wrist
A display rack tips over and damages a customer’s personal belongings
A competitor claims you stole their logo or copyrighted slogan

PROPERTY INSURANCE for thrift store owners helps repair or replace your space and equipment if disaster strikes – like fire, theft, or vandalism. Examples:

A fire damages shelving and donated goods
A break-in results in stolen cash registers and merchandise

BUSINESS INTERRUPTION INSURANCE replaces lost income if you need to temporarily close your store due to covered property damage.

Ready to get your free quote now? CLICK HERE

2. Workers' compensation (not required in Texas but recommended)

Unlike most states, Texas does not require private employers to carry workers’ comp. But we strongly recommend it if you have employees! This valuable coverage pays for medical care and lost wages if staff are injured on the job and helps protect you from lawsuits. Examples:

An employee strains their back while lifting heavy donation boxes
A cashier trips over cords and suffers a concussion

3. Commercial auto (required in Texas)

If your thrift store uses vehicles for donation pickups, deliveries or other business purposes, Texas law requires commercial auto insurance.

Helps pay for damages or injuries your vehicles cause to others or their property
Can also pay for physical damage to your vehicles (optional)

4. Crime insurance

Because your business regularly takes cash, it's vulnerable to employee theft. Crime insurance for thrift store owners helps reimburse you if someone on your staff takes:

Money
Merchandise

5. Commercial umbrella insurance

Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection if a major incident causes key policies such as your general liability to reach their limits.

Get the best thrift store insurance in Texas

Your amazing establishment deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in Texas– at no cost to you.

In minutes Mylo will: