Smiling gift shop owner serving a customer


Gift Shop Insurance

We compare quotes from leading insurers
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:
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:

  • Public liability – for injured shop visitors or damage to their property.
  • Employers' liability – to protect your shop employees.
  • Buildings cover – to cover for loss or damage to your shop premises.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
  • Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

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've been getting our insurance through Premierline for many years now, dealing with various staff members over the years. We've always received fabulous service from all of them, they are always friendly and super-efficient, keep you up to date, ring when they say they will, email when they say they will and make sure that you understand the policy. They will always explain different levels of insurance and advise you on anything you might be unsure about. They have access to a good range of insurance companies and always provide a competitive quote.”
Retail Business owner
Customer since January 2017
4.7/5 stars
282 customers have happily rated our service on Feefo over the past 12 months.
4.7/5 stars

Platinum award winners since 2020 for consistently delivering customer excellence.
Don't just take our word for it, read more of our customer testimonials and reviews.
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.
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