Pawn Shop Insurance Program

Standard Property and General Liability solutions with over 32 unique coverage extensions

This Pawn Shop program delivers exceptional value with low pricing, state of the art coverage forms and excellent flexibility! Standard Property & General Liability solutions are bolstered with access to over 32 customized coverage extensions at no additional cost. Package minimum premium starts at $1,250.

Program Highlights

  • Many key coverage extensions available at no additional costs
  • Minimum premium: Package – $1,250

Target Classes

Pawn Shops who sell:

  • Jewelry
  • Firearms (with proper state and local licenses)
  • Tools
  • Motorcycles (less than 10% of sales)
  • Automobiles
  • Boats (less than 10% of sales)
  • Recreational Vehicles (less than 10% of sales)

Pawn Shop operations can include:

  • Check cashing
  • Title Pawn (less than 10% of sales)


General Liability

  • All Owned Premises
  • All Operations – unless excluded
  • Products – Completed Operations
  • Personal and Advertising Injury
  • Medical Payments


  • Building
  • Business Personal Property
  • Business Income – ALS Basis
  • Block (Jewelry and Firearms)
  • Pledged and Unpledged Inventory at no coinsurance
  • Equipment Breakdown

Coverage included at no additional charge

  • Money and Securities – $10,000
  • Employee Dishonesty – $10,000
  • Property Off Premises – $10,000
  • Property Mailed or Shipped (USPS Express) – $50,000
  • Plus 32 other unique coverage extensions at no additional cost

Optional Coverage

  • Products Completed Operations on guns, firearms and ammunition up to $1,000,000 on larger accounts with limited gun sales and proper procedures in place
  • Employee Benefits Liability
  • Hired and Non-Owned Auto Liability
  • Employment Practices Liability
  • Cyber Liability

Submission Requirements

  • Supplemental Application
  • 3 Years currently valued Loss Runs


Jill Bednar
Assistant Vice President
P: 443-318-6112
M: 410-322-9113
Send submissions to


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The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same. The operations described herein are conducted by RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty, LLC. RSG Specialty works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516). ©2023 Ryan Specialty, LLC
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