Charity Shop Insurance

Insurance for charity shops can cover many eventualities, from injury to weather events – all of which could impact your ability to trade. The right charity shop insurance policy can safeguard your business to let you work without worry. You never know what is around the corner, so shop insurance should be a fundamental part of your business plan to ensure business continuity, should something unfortunate happen.

If you employ a team or use volunteers, then you will need to take out employers’ liability insurance to safeguard your employees and volunteers against accidents at work.

At Premierline, we offer flexible charity 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 charity 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.

More information

The cost of your charity shop insurance will depend on your shop activities, the location of your business and the amount and type of covers you require to protect your 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 you will never need to call on.

If you’re looking for charity shop insurance that’s quick and easy to set up then look no further – you have come to the right place. We have many years of experience sourcing charity shop insurance for many organisations across the UK and work closely with a trusted panel of insurers to arrange tailored cover to meet your needs.

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.