Art Gallery Insurance Quotes & Cover

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Insurance for art galleries and art shops

Finding the right insurance for your art gallery can be a complex and time-consuming task with high-value stock and a high footfall of customers, you need a simple hassle-free policy tailored to your unique requirements that offers all the protection you need.

That’s why we’ve made it easy to compare insurance quotes for art galleries online if you know the cover you’re looking for or if you’re unsure and looking for some professional guidance and recommendations then call to speak to one of our advisors.

Working closely with some of the UK’s leading insurers, we’ll take the hassle out of arranging your art gallery insurance so you can enjoy peace of mind and focus on running your business. We can combine liability insurance with property protection and much more so you can get quick quality cover for your art gallery or art shop.

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If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.

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Art gallery insurance cover in detail

What is art gallery insurance?

Art Gallery insurance is a flexible package insurance policy that is designed to cover your business against the unexpected. Art gallery insurance usually includes liability covers such as public liability if you were to cause injury to a client or third party during the course of business as well as additional covers to protect your buildings, contents and value of your art work.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

Public liability insurance should be included within your art gallery insurance, to protect your business against accidental injury or damage to third-party property. For instance, if a client tripped on their way into your gallery sustaining an injury, you may be liable to pay compensation.

Public liability cover as part of your gallery insurance can protect your business against payouts in these circumstances. It will also typically cover any legal and medical costs incurred as a result.

Employers' liability insurance

If you have staff at your gallery then you will need to include employers' liability cover within your insurance policy. This will fulfil your legal requirement, and protect you should your staff injure themselves during the course of their employment.

Property covers

Property protection is fundamental to any art gallery insurance, to protect your premises, contents and stock against exposures such as fire, flood, theft and storm damage. It can also cover goods held in trust, which means that if you are entrusted with artwork to frame or sell that doesn't belong to you; you still have protection should something go wrong.

Business interruption

If you suffer damage at your premises meaning you are unable to trade, then business interruption cover can ensure you won’t be out of pocket while you get your business back on track. This means that if you had a fire at the premises, your gross profit, fixed expenses, and even staff wages would typically be covered until you’re trading back to a position you were at, had the fire not taken place.

Commercial legal protection

Commercial legal protection can be included within your gallery insurance, to protect against VAT disputes, employment disputes and compensation awards as well as offer cover for jury service allowance for staff and business partners, should you be summoned.

Art gallery insurance FAQs

Do I need art gallery insurance?

Art gallery insurance is designed to protect the activities of galleries, picture framers, art centres, art studios and art dealers. With a number of cover options available, your cover levels can be customised to your individual requirements to give you peace of mind. Having the right level of protection in place to protect your art gallery is crucial to business continuity. If you'd like insurance advice get in touch today.

What covers do art galleries need?

At Premierline, we offer flexible art gallery and art shops 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 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 art shop against legal action.

More information

How much does art gallery insurance cost?

Typically 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 gallery. An art gallery insurance policy is a product that you have paid for that you may never get to use, but also a product you hope that you will never need to call on.

Why choose Premierline to arrange art gallery insurance?

We’re committed to helping you find the right insurance for your art gallery so you can enjoy peace of mind and focus on what really matters – running your business. Compare quotes online to get quick, quality cover for your art gallery or call us for advice and let us arrange your insurance for you.

What type of art galleries do Premierline work with?

At Premierline, we can arrange insurance for many types of art businesses; such as art galleries, art studios, art shops and artist supply shops.

What will I need to know to complete my insurance quotation?

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.

How soon will I get my policy documents?

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.

How do I pay for my policy?

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.

Why choose Premierline?

We're Shop Insurance Experts

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
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“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”

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Customer since October 2023

Customers rate us 4.7/5

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