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Charity Shop Insurance

We make arranging charity shop insurance simple and hassle-free

We compare quotes from leading insurers

Insurance for charity shops

Any retailer will appreciate the risks of running a busy shop and the potential for something to go wrong. Charity shops are no exception.

Accidents happen when you least expect whether it’s property damage or a customer suffering an injury at your shop which means you need shop insurance to protect you in case something goes wrong. That’s where we come in.

Working closely with some of the UK’s leading insurers we compare covers and prices to find the right charity shop insurance for your organisation. We understand the pressure of running a shop can leave little time for much else. That’s why we’ve made it easy to compare quotes to make arranging your insurance simple and hassle free.

Simply, give us a call as our team of expert advisors are on hand to help you find the right charity shop insurance at the right price. Call us today.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

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
Call:  0333 320 6009

Charity shop insurance cover in detail

What is charity shop insurance?

Charity shops offer a range of goods changing from one day to the next. Be it new or second-hand stock, you need protection for the goods you sell, the volunteers that sell them and the customers that visit your shop. Charity shop insurance can be tailored to include all this cover and more to give you peace of mind to work without worry.

Insurance covers to consider

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

Public liability insurance

Public liability insurance should also be a fundamental part of your charity shop insurance, to protect you should anything happen to your customers such as accidental injuries that may occur at your premises.

As careful as you may be, accidents do happen, so having the right charity shop insurance covers in place to protect your livelihood is essential.

Charity shop workers

Employers' liability cover

Employers' liability insurance will typically protect your volunteers and employees if they’re involved in an accident at work. Compensation claims can be costly and medical bills can escalate quickly. Liability insurance is essential to protect all those around you.
Buildings on a high street

Property covers

Whether you own the building you trade from or just the contents inside including property protection within your charity shop insurance is essential. Property damage can be expensive to repair but having the right cover in place can help you financially if something unexpected happens. Buildings cover can be included if you are responsible for the premises you work from and contents insurance can cover both your trade contents and stock.
Shop door displaying an open sign

Business interruption

Fires, floods and even break-ins have the potential to cause devastation to your organisation. Protecting property is crucial but if disaster strikes it could leave you unable to open for a while. This is where business interruption insurance can help you get back on your feet as quickly as possible. It not only covers either your loss of income or profit while you’re unable to trade but could also help you trade temporarily from another premises while you get back up and running.
Solicitors in a meeting

Commercial legal protection

Commercial legal protection will typically cover a number of defined events, from tax and VAT disputes to contract and employment disputes. It can also offer financial protection if someone takes you to court.

Charity shop insurance FAQs

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. 

Why choose Premierline?

Premierline Insurance Experts

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
  • Comprehensive protection - We can help with all your commercial insurance needs
  • UK based  experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”
Household Goods Retailer
Customer since October 2023
4.7/5 stars

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.

Speak to a charity shop insurance expert

Contact our insurance advisors who are committed to helping you find the right cover at the right price for your charity shop.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

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
Call:  0333 320 6009

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