From handmade crafts to high end gifts, helping people find the perfect present is your speciality. You need gift shop insurance to protect against the unexpected so you can continue providing great service to your clients.
You never know what is around the corner and protecting your livelihood is essential. But running a business can be challenging and time consuming, which is why we’ve made arranging your shop insurance easy.
We compare quotes from some of the UK’s leading insurers so you can find the right cover at the right price to protect your livelihood. We understand the time pressures of running a business and the importance of having the right protection in place. In our UK based call centre we offer professional advice and recommendations based on your individual requirements.
If you know the covers you need you can compare gift shop insurance quotes online and protect your business in a matter of minutes. Or if you would like some expert advice then give us a call. We’re here to help you find the right cover at the right price for your gift shop insurance.
If you know the covers you require, it’s quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We’ll call to arrange a new insurance quote at a time that’s convenient for you
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Gift shop insurance protects you against a number of events that could lead to financial losses or claims being made against you. It’s designed to protect you and let you work without worry. Without the right cover in place, you could find yourself personally liable for business losses and third party claims.
When deciding what insurance and covers you need to protect your business, you should consider the following:
With so many people visiting your shop on a daily basis, public liability insurance is essential. Accidents happen when you least expect, and compensation claims can be costly. Public liability insurance can be included in your gift shop insurance policy to protect against such financial losses if something happens to a visitor at your premises.
If you employ staff to help out then you’ll need to include employers’ liability insurance. For instance, this could cover you for any compensation awarded if a member of staff fell down some stairs or injured themselves at work. As an employer you’re required to arrange this cover by law. Both public and employers’ liability insurance can be included in your gift shop insurance to give you peace of mind in case something unexpected happens.
As a gift shop owner you’ll need to protect your business buildings, contents and stock as part of your gift shop insurance policy. Protecting your stock and contents can help minimise any disruption caused by unexpected damage at your shop. You never know what’s around the corner so it’s essential you’re covered.
If something happens at your shop that means you’re unable to open, then business interruption insurance could help tide you over while you get back on your feet. This cover protects your business financially if you suffer property damage that leaves you unable to trade. Fires, floods and even break-ins can have devastating consequences. This invaluable cover could be the saviour of your business if disaster strikes.
Commercial legal protection can be included in your gift shop insurance policy to safeguard against employment disputes and awards of compensation. It can also offer protection against tax and VAT disputes, and cover you financially if you, your business partners or employees are summoned for jury service.
Whether you sell souvenirs and memorabilia or high value gifts and handmade collections there are many risks which can be protected if you have the right insurance in place. For instance, wet floors from water spillages could cause a slip, glass breakages from vases could cause an injury, even some stock could accidentally be damaged by your customers. A gift shop insurance package is something you should consider to protect against these types of risks. It’s there to protect your stock and equipment, customers, employees and legal liabilities as a gift shop owner.
At Premierline, we arrange flexible gift shop insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your gift shop, you should consider the following:
More information
The cost of your gift shop insurance will depend on your business activities, the location of your business and the amount and type of covers you require to protect your gift shop. Like any other insurance, generally the more cover you require the higher the premium.
The value you gain from having the right cover in place is a huge benefit to your business. A shop insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope that you will never need to call on.
Any retailer will understand the risks involved in running a shop. With a high footfall of customers and a wide range of stock you need gift shop insurance in case something unexpected happens. If you need simple hassle free cover to give you peace of mind, look no further. We compare gift shop insurance quotes from some of the UK’s leading insurers to help you find the right cover at the right price for your business.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
We understand the nature of running your shop often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your retail insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
Award winning service
We're trusted by thousands of SMEs across the UK
Comprehensive protection
We can help with all your commercial insurance needs
UK based experts
Located in Lancaster, our advisors are here to help
“Although I didn't take up the quote on this occasion it was a competitive quote. The advisor throughout the call was efficient in what he was asking for and even had some of my details already from a previous year. This made the whole process quick, effective and clear. All in all it was a professional service and I appreciated the advisors experience.”
All these covers can be built into one easy to buy gift shop insurance policy to let you work without worry. If you know the covers you require you can compare quotes and protect your business online in a matter of minutes. Or if you’re looking for some advice and a professional insurance recommendation then give us a call. We’re here to make arranging your gift shop insurance simple and hassle free.
How you can manage stress Research from the Health & Safety Executive (HSE) revealed that almost 20% of workers in the UK have said that they have experienced very high…
The safety net of business insurance is only as strong as the figures it’s built on. In today’s volatile economic landscape, many UK business owners are discovering too late that…
Local housing markets are benefiting from the presence of indie shops and small businesses Let’s talk about the ‘Waitrose Effect’, a housing market phenomenon which suggests there is a positive…
What can be done to help retailers Retail in the UK has faced one of the toughest years to date, with even huge well known retailers such as ASOS, Debenhams…
Use our cash flow forecast template to help manage your cash throughout the year. All businesses need to keep an eye on their cash flow. Running out could mean that…
Selling age restricted items & products It is no secret that the festive season brings an increased spending to the UK, and because of this, there has never been a…
Writing a shop business plan is one of the first steps prospective retailers should take before beginning to trade. Should retail ventures, for instance, require funding, a business plan acts…