smei art gallery insurance

Art Gallery Insurance

Get Art Gallery Insurance That’s Expertly Sculpted, Just for You

As the owner of an art gallery you are likely to face unique challenges when it comes to working out what art gallery business insurance you need, and in finding cover that’s affordable.

It’s complicated and time consuming – you need to think about the risks from customer slips and trips, damage or theft of potentially valuable stock, incidents affecting your gallery premises and so much more.

That is why we’ve made it easy to find the art gallery insurance you need to defend against the unexpected. From protecting your money and premises, to covering stock, and defending claims from slips, trips and more – we can help you find the art gallery business insurance cover you need to keep the doors open and protect your finances if the worst should happen.

We’ll work with you to understand your gallery in detail, then find art gallery insurance that is tailored to your needs – saving you valuable time and money along the way.

You Could Save Over 20%*

Contact our team to receive a no obligation, instant quote today.

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91% of our customers would recommend our service

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Cover available for art galleries**

  • Accidental damage.

  • Book debts/accounts receivable.

  • Buildings cover.

  • Business interruption.

  • Contents cover.

  • Embedded machinery breakdown.

  • Employers liability.

  • Glass.

  • Goods in transit.

  • Legal expenses.

  • Loss of rent receivable.

  • Money at home of insured or authorised employee.

  • Money on premises or in safe.

  • Money on the premises outside business hours.

  • Public and products liability.

  • Subsidence.

  • Tenants improvements.

  • Terrorism.

Why Choose smei for Art Gallery Business Insurance?

We’re a specialist broker, so working with us is different to going direct to an insurer – you can expect great service, expert, unbiased advice and all the help you need to find the right policy at the right price.

  • Get help to find an insurance policy that’s tailored to your needs.
  • Ensure you only pay for the covers that you need and want.
  • Receive renewal reminders to help make sure your art gallery is never without insurance.
  • Rely on specialist support to help smooth the way when the time comes to make a claim.
  • Get all this for the best possible price – you could even save over 20% on your quote.*

Get an Art Gallery Insurance Quote

We know that you’re busy, so we’ve made it as easy as possible for you to find the right art gallery insurance quotes. All you need to do is give us some basic information about your business and we’ll find you a quote for cover that’s closely tailored to your needs. There’s no waiting around – you can get a quote online or over the phone in minutes – and your cover can be set up immediately, without fuss. In fact, we’ll help to make finding the insurance you need as easy as 1, 2, 3.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

Frequently asked questions

Not having adequate insurance for your jewellery shop could be a false economy and could result in unforeseen costs in the event of a claim. Therefore, it makes sense to match your insurance protection to your specific requirements when taking out your policy, leaving you with peace of mind that a potential claim won't damage your business. Each jeweller has varying needs of protection. For example, your shop may sell a range of gold, silver and precious stones. Why not speak to one of our advisers and let them know your requirements, and we'll look for a suitable policy for you. As members of the public filter in and out of your jewellery shop, public liability insurance is essential. This cover will protect you if a shopper has an accident whilst in your shop or their property is damaged as a result of you or your employee's negligence. Employers liability insurance will protect you if an employee becomes injured or seriously ill as a result of working for you. For jewellery shops, stock insurance should be a high priority. Without your stock, you wouldn't have much of a business to run. Expensive jewellery is often a prime target for thieves, therefore this type of cover protects you if your stock is damaged, lost or stolen and needs replacing. It can also be increased around key dates when you may sell goods that are more expensive or exclusive than usual, such as Christmas. Cafe and coffee shop insurance costs can vary depending on the level of cover you need. For example, you will usually need standard covers like employers' liability if you have staff and public liability if your customers have an accident. But if you also have a larger coffee machine that would be expensive to replace, you're likely to need extra cover. Over the last 12 months 50% of our cafe insurance customers paid less than �452.80 per year, but the lowest premium was �229.* *Data compared from 710 policies sold in 2020. The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers - each with different features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you. There is a wide range of optional cover available depending on the type of shop you own. For example, shops that sell food will need to pay close attention to the frozen food section of their policy to ensure the cover is adequate. Otherwise, they may need to investigate more comprehensive cover. If you own your shop premises then you will need buildings insurance to protect your bricks and mortar. If, however, you rent your premises, check with your landlord to see if your building is covered. We can arrange flexible policies that match your needs - all you have to do is tell us what you'd like covered and we'll do our best to arrange at a competitive price. The optional cover available depends on the type of shop you own. For example, shops that sell food will need to pay close attention to the frozen food section of their policy to ensure the cover is adequate enough. Otherwise, they may need to investigate more comprehensive cover. If you own your shop premises then you will need buildings insurance to protect your bricks and mortar. If you rent your premises, check with your landlord to see if your building is covered. We can arrange flexible policies that match your needs. All you have to do is tell us what you'd like covered and we'll do our best to ensure that it happens at a competitive price. We cover all sorts of shops including grocers, off licenses, pet shops, clothes shops and florists. If you're unsure whether we cover your trade, just get in touch and our team will be happy to help. As you constantly have members of the public filtering in and out of your shop, public liability insurance is crucial. This will protect you if a member of the public is injured or their property is damaged on your premises. Your contents and stock are your livelihood so it's also important to protect them. Contents insurance protects your goods in the case of theft, damage or devastation such as fire and floods. Financial protection ensures that cash on your premises is safe. If you have employees you are required by law to have employers liability insurance. This protects you if an employee becomes injured or seriously ill at work. Finally, you may want to consider business interruption cover. Business interruption cover will protect you in the event that your shop is closed due to damage, helping you to continue to pay your expenses whilst you're closed and cover loss of earnings.

91% of our customers would recommend our service

smei is always best. We have more than 10 hair salons and they never forget the renewal time, never renew the policy without asking, customer service always polite and solve any problems quickly. Also I can see all of my policies on their portal, no waste of paper, everything online. Thank you smei!

Rana Dincer

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You Could Save Over 20%*
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