Game & Hobby Store Insurance Coverage Checklist
The coverages a game & hobby store business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for comic shops, trading card and tabletop game stores, collectibles dealers, and hobby shops. Priorities reflect typical exposure for this class; confirm against the store's actual inventory and events.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Property / Business Personal Property | Covers inventory, fixtures, and display cases. Confirm inventory is valued high enough to replace graded cards and key collectibles. | Core | |
| Theft / Burglary Coverage | Confirmation Card and collectibles shops are targeted for small, high-value items; confirm theft is covered without a low sublimit. | Core | |
| Commercial General Liability | Covers customer injuries during shopping and in-store events, tournaments, and play nights. | Core | |
| Workers' Compensation | Required in most states with employees. | Core | |
| Property of Others / Bailee | Covers customers' consigned items and cards held for grading submissions. | Prevalent | |
| Inland Marine / Transit & Off-Site | Covers inventory at conventions and card shows and in shipment to graders and customers. | Prevalent | |
| Crime / Employee Theft | Covers employee theft of high-value singles, slabs, and cash. | Prevalent | |
| Business Income | Replaces income after a burglary, fire, or other loss closes the store. | Prevalent | |
| Cyber / Privacy Liability | Covers online store customer data and card payments. | Prevalent | |
| Liquor Liability | Needed if a game cafe serves or allows alcohol. | Situational | |
| Products Liability | Needed for hobby shops selling RC batteries, chargers, or model rocket motors. | Situational |
The coverage gap most often missed
The gap most likely to hurt a card or collectibles shop is undervalued inventory. Graded cards, key comics, and sealed product can be worth far more than their cost, and property policies often value stock at cost or limit theft — so a single targeted burglary can leave the shop well short. Confirm how inventory is valued, the theft limit, and coverage for items at shows and in transit to graders. Shops that hold customers' cards for consignment or grading should also carry a property-of-others limit.
Send us the checklist and we'll review your game & hobby store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Game & Hobby Store Insurance · Game & Hobby Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a game & hobby store business need?
The core coverages for a game & hobby store business are Commercial Property / Business Personal Property, Theft / Burglary Coverage, Commercial General Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my game & hobby store coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.