Commercial industry
Hobby, Toy, and Game Shop Insurance
Toy and hobby shops carry dense inventory and, increasingly, in-store play, painting nights, and tournament days. That is a retail property account plus a premises account that looks a little like a studio. We write both, including the peak holiday inventory that a January worksheet will understate.
We place independent hobby, toy, and game shops. If you manufacture paint or import a private-label line, the products story gets heavier — tell us.
Risks we actually schedule
- Holiday inventory fire or water loss on an understated contents limit.
- Guest injury during in-store play, classes, or tournament days.
- Products allegations on imported toys or paints.
- Theft of high-value collectibles that were never scheduled.
Frequently asked questions
Do game nights change our insurance?
They change the premises description. We want them on the application so a participant injury is not “an undisclosed assembly.”
Should collectibles be scheduled?
If a single case or a glass cabinet is a meaningful part of your equity, yes. A blanket contents limit will argue with you after a targeted theft.
We sell online from the back room. Does that matter?
Ship-from-store and cyber belong on the application. Products still follow the goods.
Related coverage, industries, and locations
Business Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Coverage detailsGeneral Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsCommercial Property
Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.
Coverage detailsCyber
Ransomware, data-breach response, forensic IT, notification, and business income after a network event.
Coverage detailsSpecialty Retail
A hub for independent shops that are not a chain and not a generic “store” — inventory, premises, and the odd extra.
Industry pageGift Shop
Novelty and souvenir retail: inventory, premises, and a peak-tourist season property limit.
Industry pageClothing Store
Inventory, premises, and a BOP that survives a seasonal peak and a shoplifting year.
Industry pageIndiana
Licensed commercial insurance broker serving Indiana.
State page