Trading Card Shop Insurance Coverage Checklist
The coverages a trading card shop 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 trading card shops. 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 |
|---|---|---|---|
| Business Personal Property (Agreed / Market Value) | Card values swing fast; cost basis can understate replacement. | Core | |
| Crime — Burglary & Robbery | Covers smash-and-grab thefts that last under two minutes. | Core | |
| General Liability | Covers tournaments, release events, and trade nights. | Core | |
| Bailee's Customers | Covers customer cards on consignment, in trade, or at graders. | Core | |
| Workers' Compensation | Required for employees. | Core | |
| Transit / Inland Marine | Covers shipments to graders, buyers, and card shows. | Prevalent | |
| Employee Dishonesty | Covers small, high-value cards staff can pocket or swap. | Prevalent | |
| Business Income | Covers closure after a break-in or ram-raid. | Prevalent | |
| Cyber Liability | Covers online and live-stream customer data. | Prevalent | |
| Abuse & Molestation | Covers organized play that brings in minors. | Situational |
The coverage gap most often missed
The gap most often missed by card shops is customer cards in their care, especially those sent to graders under the shop's dealer account. After the October 2026 FedEx theft, PSA said dealers handle losses on dealer orders and pays no more than a capped insured value. Add bailee and transit coverage at market value, and check that your own stock isn't valued only at cost.
Send us the checklist and we'll review your trading card shop coverage line by line, then market it across multiple carriers that compete for your account.
Related: Trading Card Shop Insurance · Trading Card Shop Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a trading card shop business need?
The core coverages for a trading card shop business are Business Personal Property (Agreed / Market Value), Crime — Burglary & Robbery, General Liability, Bailee's Customers, 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 trading card shop 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.