Luggage Store Insurance Coverage Checklist
The coverages a luggage 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 luggage and leather goods stores. Priorities reflect typical exposure for this class; confirm against your actual products, locations, and operations.
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 |
|---|---|---|---|
| General Liability | Covers customer injuries and airport lease limit requirements. | Core | |
| Products-Completed Operations | Covers battery fires in smart bags and power banks. | Core | |
| Business Personal Property | Covers high-value leather and designer inventory. | Core | |
| Business Income | Covers airport closures or fires that shut the store. | Core | |
| Workers' Compensation | Covers repair-bench injuries. | Core | |
| Bailee's Customers | Covers customer luggage held for repair. | Prevalent | |
| Crime / Employee Dishonesty | Covers theft of high-value handbags. | Prevalent | |
| IP / Advertising Injury | Covers trademark claims over branded or resold goods. | Situational | |
| Umbrella | Adds limits airport leases often require. | Situational | |
| Inland Marine (Transit) | Covers repairs shipped to and from manufacturers. | Situational |
The coverage gap most often missed
The gap most often missed by luggage stores is customer property. Luggage held for repair isn't the store's property, so it falls outside business personal property; without bailee's customers coverage, a fire or theft leaves the store paying for customers' bags out of pocket — and lithium smart bags in that repair stock add a fire source.
Send us the checklist and we'll review your luggage store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Luggage Store Insurance · Luggage Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a luggage store business need?
The core coverages for a luggage store business are General Liability, Products-Completed Operations, Business Personal Property, Business Income, 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 luggage 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.