charity shop insurance

Charity Shop Insurance

Aiding you with the Right Charity Shop Insurance Cover

We’re passionate about championing the high street and helping charities like Mind in Garforth, Leeds protect their shops (pictured above). So we’ve made it as easy as possible for you to arrange your insurance so you can focus on running your charity shop.

All you need to do is tell us what you want your insurance policy to cover. We work closely with specialist insurers to arrange a policy that covers the areas of your business that you need protecting.

Whether you need high levels of stock insurance or business interruption cover, we can arrange the right insurance cover for your charity shop.

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

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Cover Available for Charity Shops**

  • Accidental damage.

  • Book debts/accounts receivable.

  • Buildings.

  • Business interruption.

  • Contents.

  • 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 Charity Shop Insurance?

We’re a broker which means we work with a specialist range of insurers to find you a policy that’s tailor made for your business. It also means that we aim to get you the best price possible and you won’t be pay for cover you don’t need.

We also make it easy for you to claim, all you need to do is pick up the phone and we’ll take it from there. We’ll even remind you of your policy renewal date so your shop is never without insurance.

Get a Charity Shop Insurance Quote

Getting a quote is quick, simple and easy. All we need is basic information to provide you with a quote.

You can even choose to take out the policy there and then, so if you need insurance that day then we’ll be able to help. Otherwise, just tell us the date you’d like your insurance to start, and we’ll take it from there.

* Please click here to view our pricing disclaimer.

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

Frequently asked questions

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. Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely to be interacting with members of the public on a daily basis, which means there's a risk of your charity's activities causing injury, illness or property damage to a third party. If an unexpected situation occurs, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee's negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. The cost of your insurance policy depends entirely on your needs. Our flexible policies can adapt to fit your requirements and your budget too. Multiple options may be available from our range 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. As you constantly have members of the public filtering in and out of your supermarket, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or their property is damaged as a result of you or your employee's negligence. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. Stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around key dates when you would carry goods that are more expensive than usual, like at Christmas for example. Each supermarket has varying needs of protection. For example, your supermarket may have an onsite bakery or you may have a large amount of frozen stock that you need to insure. Speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs. 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 differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you. Some types of insurance may be a legal requirement. Others will protect you and your supermarket in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your supermarket could be a false economy. For example, if you don't have public liability insurance and a customer trips over a box left on the floor you may be liable to pay costs of compensation. Therefore, it's important to consider all the risks facing your supermarket and match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business. Some types of insurance may be a legal requirement. Others will protect you and your bike shop in the event of a claim but are not compulsory. Not having the right insurance for your bike shop could be a false economy. For example, if you don't have public liability insurance and a customer trips over equipment or boxes on the floor you may be liable to pay costs of compensation. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.

91% of our customers would recommend our service

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Fast, competitive insurance. I felt the representative really understood my needs.

Peter Reading

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