Providing insurance coverage for independent booksellers since 1997
The LIBRIS insurance program was created with the American Booksellers Association (ABA) to support the unique needs of bookstores and other specialty retailers.
With industry professionals who are knowledgeable and responsive, we will help you select the coverage that best suits your retail business.
The professionals at Arrowhead General Insurance Agency, Inc., a national leader in insurance solutions, manage the LIBRIS insurance program and provide quick, no-hassle claim resolution.
- $2 million per each occurrence / $4 million aggregate liability limits
- $2 million personal and advertising injury
- 100 percent loss coverage for up to 12-month business interruption
- $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
- Specializing in general liability including business personal property policies
- Business interruption/extra expense
- Computer equipment/software
- Coverage for cafés/restaurants
- Liquor Liability
- Employee benefits liability
- Employee dishonesty
- Fine arts
- Replacement cost for buildings and business personal property
- Glass – interior/exterior
- Hired and non-owned auto liability
- Tenants’ legal liability
- Used and rare books
- Valuable papers/accounts receivable
- Additional coverage includes workers’ compensation, commercial auto, umbrella, and property policies
- A wide range of deductibles options are available
- Most policies qualify for SafePak, which offers:
- Business personal property seasonal increase of 25 percent of limit
- New store benefit
- Coverage for visiting authors
- Website/computer coverage
- Used book benefit
- $100,000 employee dishonesty
No-Hassle Adjustments for Peak Season
During your peak selling season, LIBRIS automatically increases your inventory coverage by 25 percent. 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?
LIBRIS offers the ideal insurance program for new store owners. We offer a flexible premium payment plan with no penalties for start-up operations.