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Booksellers Insurance Coverage

Providing insurance coverage for independent booksellers since 1997.

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Let us help you find the right coverage.
Start Your Quote
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Contact Us

Call our support specialists for help
CALl us at (844) 905-2739
CALl us at (844) 905-2739

Contact Us

Call our support specialists for help
CALl us at (866) 278-7881
CALl us at (844) 905-2739

Providing insurance coverage for independent booksellers since 1997.

Created for you

The Booksellers Insurance Program (formerly LIBRIS) was created with the American Booksellers Association (ABA) to support the unique needs of bookstores and other specialty retailers.

We're here to help

With industry professionals who are knowledgeable and responsive, we will help you select the coverage that best suits your retail business.

No hassle claim service

The professionals at CoverHound, a national leader in insurance solutions, manage The Booksellers Insurance Program and provide quick, no-hassle claim resolution.

"I have always believed in this company. They help me with the research that is tedious, and I don't have time for. Its the best option for me since I like to rate the insurance companies often."

- Cheryl Hall

I have been working for 3 weeks with several different agencies to find insurance and it just took 1 simple phone call and 1 day to complete insurance.

- Jeff Welch

"The representative I spoke with was very friendly and helpful. And they do the work for you and compare rates so it saves you a lot of time. Thank you CoverHound."

- Elijah Avery

About Us

Created by the American Booksellers Association (ABA), The Booksellers Insurance Program (formerly LIBRIS) has been working with independent bookstores since 1997. Working directly with business owners and local agents around the country, The Booksellers Insurance Program (TBIP) also provides coverage for other specialty retailers and publishers.

Coverage for seasonal increase in inventory

  • New store benefit:
    ‍    TBIP gives credit for previous bookstore experience or retail management experience for new bookstore owners.
  • Computer coverage:
    ‍    Booksellers Insurance Program offers $5,000 for computer fraud at no additional cost.
  • Seasonal increase in merchandise is covered:
    ‍    TBIP accounts for increased inventory at no additional charge.
  • Used book benefit:
    ‍    TBIP values used books and will pay up to $100 per book for covered losses.
  • Special event coverage:
    ‍    TBIP understands that bookstore events are a common activity and coverage needs to be built into the policy.
  • Off-premises coverage for exhibitions and conferences:
    ‍    TBIP includes coverage for inventory and property used for off-site events, an important part of your business.

The Booksellers Insurance Program includes

  • Low rates:
    ‍    Our premiums are stable and affordable.
  • Exceptional service:
    ‍    Our knowledgeable insurance professionals understand the bookselling industry
  • Peace of mind:
    ‍    Our insurance is backed by QBE, an “A” rated insurance company by A.M. Best Company
  • Fast claims:
    ‍    Our expert team efficiently handles all claims from start to finish.
  • Dividends:
    ‍    Policyholders are eligible to receive dividends when the program earns underwriting profits

ABA Member Resources

A Booksellers Guide to Business Insurance

Learn about insurance coverage common to the industry.

Download
Ensuring Adequate Coverage

Assess your current coverage levels and identify potential gaps.

Download
Filing a Claim Checklist

Use this handy checklist to navigate the claims process.

Download

Ready to get a quote?

Our bookstore insurance specialists are available from 8 AM to 5 PM MST, Mon-Fri.

Start your quote
Call us at (833) 359-5870

Already working with an insurance agent or broker?

No problem!

Have your agent call us at we’ll get them set up to start your tailored quote right away.

Call us for a free quote:

(844) 905-2739

(866) 278-7881

Coverages

Bookstore owners need an insurance policy that protects their investment, is easy to understand and is priced right. The Booksellers Insurance Program policy is designed to address the loss exposures unique to bookstores at low rates.

Booksellers Insurance Coverage

  • Liability limits up to $2 million per occurrence / $4 million per aggregate
  • Personal and advertising injury up to $2 million per occurrence/ $4 million aggregate
  • Business interruption loss coverage for up to 12-month
  • Business personal property at newly acquired premises
  • Medical payments
  • Computer equipment/software
  • Outdoor signs
  • Liquor liability
  • Cyber liability
  • Employee benefits liability
  • Employee dishonesty
  • Fine arts
  • Glass – interior/exterior
  • Hired and non-owned auto liability
  • Tenants’ legal liability
  • Theft
  • Used and rare books
  • Valuable papers/accounts receivable
  • Business personal property seasonal increase
  • New store benefits
  • Additional coverage includes workers’ compensation, commercial auto, umbrella, and property policies
  • A wide range of deductibles options are available
  • Liability limits up to $2 million per occurrence / $4 million per aggregate

Included on every policy

  • $2 million personal and advertising injury
  • $2 million personal and advertising injury
  • $100,000 tenant legal liability
  • $100,000 personal property at newly acquired premises
  • $25,000 for outdoor signage
  • $5,000 in medical payments per person
  • Business interruption — All loss sustained up to 12 months

Buy season and expansion

  • No-Hassle Adjustments for Peak Season
    ‍    Booksellers Insurance automatically increases your inventory coverage by 25% during your peak selling season. Whether your increase is due to tourism, back to school sales or seasonal holidays, we take care of it for you.
  • Opening a new store?
    ‍    Booksellers Insurance offers the ideal insurance program for new storeowners. We offer a flexible premium payment plan with no penalties for start-up operations.

Ready to get a quote?

Our bookstore insurance specialists are available from 8 AM to 5 PM MST, Mon-Fri.

Start your quote
Call us at (833) 359-5870

Additional Property Coverages

Blanket Limit $250,000 applies to additional coverages per location as shown in declarations

Accounts receivable*

Included in Blanket Limit

Money and securities*

$25,000 in

Valuable Papers*

$25,000 in

Money and securities*

Included in Blanket Limit

Personal effects

Included in Blanket Limit

Optional Deductibles

Included in Blanket Limit

*Limits can be increased

Optional Coverages

Employee dishonesty

Up to $25,000

Building ordinance

Up to $300,000

Food spoilage

Varies per risk

Employee benefits

Varies per risk

Employee breakdown

Up to limit quoted

Equipment breakdown

Up to $1 million

Hired/non-owned automobile

Up to $1 million

Liability Coverages

Umbrella Liability

The above is a summary of coverage, not a contract for insurance. For additional information, terms, conditions, restrictions or limitations, contact a Booksellers Insurance representative.

Contact us for coverage

Our bookstore insurance specialists are available from 8 AM to 5 PM MST, Mon-Fri.

Get Started Online

Begin Now

Contact Us

Call (844) 905-2739

Contact Us

Call (844) 905-2739
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