You pay recurring premiums based on your coverage tier and the total value of your insured inventory. Higher tiers cost more but pay out better.
Personal Basic
Covers item loss from scams at current market value
Personal Replacement
Full replacement with a same-condition item
Commercial Basic
Protects shop inventory and income
Commercial Replacement
Full shop restoration after disasters
Be honest when declaring your inventory value. Undervaluing items to save on premiums might seem smart, but insurers keep track — future claims can be reduced or denied based on a history of underreporting.
Insurance pairs naturally with shops (commercial tiers cover disaster losses) and with scam protection (personal tiers cover trade losses).