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Gift Shop Insurance
Compare insurance for gift shops
Protect your shop, stock and customers
Compare quotes from trusted insurers
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, like gift shops
Get tailored cover to protect against claims from employees, customers & more
Get the protection you need with no needless extras
What is...
gift shop insurance?
Gift shop insurance is designed to help protect your business from unexpected risks. It helps provide cover for the challenges owners face, from keeping inventory safe to ensuring customers and staff are protected.
Whatever your business story, we’re here to help. Whether you’re selling handcrafted items, quirky homeware, or personalised gifts, we’ll help guide you through your options.
What type of gift shops are covered?
We can help the majority of gift shops, including but not limited to:
- Independent boutique stores
- Shops selling handcrafted or personalised items
- Gift shops with an online store or delivery service
Can’t see your giftshop listed? It’s likely we can still help. Start a quote online to get started.
What does gift shop insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your giftshop insurance package could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
Protects you if a customer is injured in your giftshop or their property is damaged.
Business interruption insurance
Covers lost income if you have to close due to a covered event, like a fire or flood.
Stock and contents insurance
In case your stock or equipment is stolen or damaged by flood or fire
What doesn’t it cover?
While gift shop insurance provides a wide range of cover, there are some exclusions, including:
- Intentional damage – Damage caused on purpose isn’t covered.
- Neglect – Failing to secure your shop or maintain equipment may void your policy.
- General wear and tear – Normal ageing or wear on your fixtures, fittings, and equipment is excluded.
Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.
Do you need building insurance if you rent?
If you rent your property, it’s the responsibly of your landlord to insure the building structure. But it’s the responsibility of the tenant to insure any fixtures and fittings or interiors you own within the building.
“From product liability to customer accidents, sufficient gift shop insurance helps provide protection and provides peace of mind as you run your business.”
James Barwell, Insurance Director
How much does gift shop insurance cover cost?
Because all gift shops are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and prices depend on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.
Get gift shop insurance sorted with Bionic
At Bionic, we compare business insurance quotes from trusted insurers to find the right policy for your gift shop, so you can keep your shelves stocked and your customers happy.
Start your quote online today, or chat with our UK-based team for support.
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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