NEXT is now ERGO NEXT Insurance, uniting digital-first innovation with Munich Re's global financial strength.

Pawn Shop Insurance

You can save up to 25% in discounts on pawn shop business insurance.*

Choose your primary coverage to get started:

Pawn shop insurance can help protect you from:

Inventory

Theft

Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.

Product liability

A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.

Advertising injury

A competitor sues you claiming that you copied the “look and feel” of their product listing.

Wire Fraud

Cyber

Criminals hack your store’s site, and now your customers’ payment information is compromised.

Pawn shop insurance designed to protect your business

ERGO NEXT Insurance is a one-stop shop to help you get the pawn shop insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

  • General liability
  • Commercial auto
  • Workers’ compensation
  • Commercial property

Easily find a custom pawn shop insurance package that's right for your business

ERGO NEXT specializes in small business insurance, so you can easily find a custom insurance package that's right for your pawn shop business.

General Liability

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance is included in most business insurance packages, including pawn shop business, because it covers the risks that many business owners face every day. It's not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Commercial Auto

Commercial Auto

"For business owners who own or drive vehicles

Commercial auto insurance helps pawn shops cover injuries and damages resulting from work-related car accidents. Most states require commercial auto insurance for business-owned vehicles in order to help pay for medical expenses and property damage.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance protects employees and pawn shop business owners from financial losses after a workplace injury or illness. It can help with reimbursing medical bills, rehabilitation costs, lost wages and other expenses.

workers compensation can help you pay for:

Medical expenses
Lost Wages
Employer liability
Commercial Property

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance is one of the most common types of small business insurance pawn shop owners buy because of the different types of coverage it offers. It helps with replacement or repair costs if property is stolen or damaged due to a covered event, such as a burst water pipe, fire or vandalism.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses

You can save up to 25% in discounts on pawn shop insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million