Tag: Used Merchandise Stores

Three questions to ask about your coverage

1. What could go wrong? For used merchandise and thrift stores, it’s often heavy or unstable items falling, cluttered aisles and customer injuries. Constantly changing inventory makes keeping aisles clear harder, and landlords want GL on file.

2. Do I need GL or a BOP? General liability handles third-party bodily injury, property damage and (for most classes) personal and advertising injury, with per-occurrence limits of $300K, $500K, $1M or $2M. A BOP adds property and business income protection. A BOP covers donated or purchased stock, fixtures and business income.

3. Will my business qualify? Eligibility depends on size, location and loss history, which we confirm before binding. Coterie generally accepts businesses with up to $10M in revenue and 50 employees, one location per policy, limited losses in the past five years and no prior cancellations. Startups and home-based businesses can qualify too.

Where this class ranks with Coterie

Used Merchandise Stores is #24 on Coterie’s Top 100 classes list (December 2025), so it’s one of the business types Coterie writes most often.

What comes with a Coterie policy

You can get an instant quote, bind online and get certificates right away. Policyholders also have free access to Manage My Risk, which includes risk assessments, safety guides and compliance checklists you can use with your team.

Coverage is subject to underwriting and availability.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama used merchandise stores.