Request your quote for pawn shop insurance.




Pawn shop owners have an exciting job – they deal with diverse clients and sometimes help them get out a financial burden, they buy and sell unique and rare items, and they have the luxury, and risk, of being a business owner! With so much going on at a pawn shop, it’s important to have pawn shop insurance that provides customized coverage to protect your assets and protect you from lawsuits.

XINSURANCE provides customized insurance solutions for pawn shops that minimizes exposure and maximizes true peace of mind. You can have an all-in-one policy that provides customized coverages built into one policy or we can fill the gaps and cover the exclusions in your existing insurance policy. Whatever you need, we can help to find the best insurance solution for you and your pawn shop!

pawn shop insurance
pawn shop insurance


What Can Pawn Shop Insurance Cover?

We have an all-in-one approach for pawn shop insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples include:

  • Commercial general liability: Provides coverage for injuries and property damage sustained by third parties at the pawn shop.
  • Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
  • Premises liability: Protects against slips, trips, and falls on the property.
  • Commercial auto (available in most states): Provides coverage when a staff member drives a vehicle for business purposes such as picking up or delivering goods to and from the pawn shop.
  • Products liability: protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage.
  • Firearms liability (available in most states): Coverage for concealed carry, accidental discharge, and more.
  • Weapons coverage: Coverage for third-party property damage and bodily injury caused by a weapon that was used for personal or commercial purposes.
  • Professional liability: Can protect your staff if they’re being sued for negligence.
  • Individual/Personal liability: Personal liability protection in the event of an accident and a claim is made against you.
  • Active shooter coverage: Protects your business if an active shooter fires on store property.
  • Alleged assault and battery liability: Protects you against claims for assault and battery.
  • Alleged sexual abuse and molestation liability: Protects you against claims for sexual abuse or molestation.
  • Communicable Disease Coverage: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19!
  • Tru Umbrella / Excess liability: Additional coverage to fill the gaps and exclusions in your existing policy.
  • And more: We provide customized coverage so let us know what you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ comp.


XINSURANCE is a full-service liability insurance partner that covers the most challenging risks. We provide all-in-one protection to anyone looking for coverage, even if you’ve been canceled or non-renewed by your carrier. We can also customize your plan to ensure it meets your specific needs. You’ll have true peace of mind knowing you have a trusted partner by your side whenever an accident or incident occurs.

Why Should You Choose Us for Pawnshop Insurance?

At XINSURANCE, we support the policies we sell with top-notch customer service. With our flexible underwriting and all-in-one approach, we can cover “unique” risks that most of our competitors avoid, ensuring you’ll get the customized plan you require. We also provide risk management services to help you minimize the likelihood of a liability-related incident — every service we offer is designed with the goal of giving you true peace of mind

You’ll also appreciate our prompt, reliable claims service. Our claims representatives are available around the clock to take your calls and get the process started. We have the expertise to handle your claim expeditiously and get the fast results you deserve.

Get A Free Quote

Get your free pawnshop insurance quote today. We’ll also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable – it’s also free and no obligation!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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