Gift Shops Insurance
Protect your gift shop from customer injuries, product claims and stock losses with cover designed for gift retail businesses.
Get in touchWhat is gift shops insurance?
Gift Shops insurance is a specialist policy designed to protect retail businesses from the risks of selling products, managing premises and employing staff. It typically includes public liability, employers liability, stock cover and buildings and contents insurance.
Running a retail business involves risks from customer injuries and product claims to theft and property damage. The right insurance protects you against claims that could otherwise threaten your business.
Find insurers who understand retail and ecommerce businesses, so your cover reflects the products you sell and the channels you trade through.
Public Liability
Covers claims from customers for injury in your gift shop.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Buildings and Contents
Covers your shop premises, display units and gift stock.
Products Liability
Covers claims from gift products you sell.
Who needs gift shops insurance?
Independent gift shops
Operating a high street gift shop
Tourist gift shops
Selling souvenirs and gifts in tourist areas
Online gift retailers
Selling gifts through a website
Craft and handmade gift shops
Selling handcrafted and artisan products
WHY CECIL
Built differently.
Cover for gift shops risks
Gift Shops face specific risks from product claims to customer injuries. Cecil finds insurers who understand your retail sector and cover these risks properly.
Stock and premises protected
Your stock and premises are your primary assets. Cecil ensures your policy covers the full value of your inventory and business property.
Products liability included
If a product you sell causes injury or damage, products liability covers the claim. Cecil makes sure this is part of your retail insurance package.
Competitive quotes for retailers
Get options from specialist insurers to find retail insurance from specialist providers. Cover that reflects the specific risks of your business, not a generic commercial policy.
Common questions about gift shops insurance
Do gift shops need public liability insurance?
Yes, public liability is essential for retail businesses. Customer injuries on your premises and product-related claims are real risks that require proper cover.
Does gift shops insurance cover stock theft?
Yes, your buildings and contents policy typically covers stock theft, subject to security requirements. Cecil ensures your stock is covered at its full value.
Do gift shops need products liability insurance?
If you sell products to customers, products liability covers claims if those products cause injury or damage. It is an essential part of retail insurance.
What level of public liability do gift shops need?
Most retailers carry between £1m and £5m of public liability cover. Shopping centre landlords and market operators may specify minimum levels.
Does gift shops insurance cover online sales?
Products liability covers your products wherever they are sold. If you sell online, make sure your insurer knows about your ecommerce operations.
Interested in Gift Shops insurance?
We will be in contact when Cecil launches.