Why do Gift Shops need it?

With your hard earned money tied up in stock for your business, it makes sense you would go to all lengths to protect it. And that means having the right insurance, at the right price, of course. Let BizCover give you the gift of hassle-free insurance with multiple competitive insurance quotes in minutes.

Did you Know?

Public Liability Insurance: The average level of cover our customers take for their gift shop business is 20 million dollars.

Insurance for Gift Shops

Public Liability Insurance*

If you own a shop, you want customers in your store.  Public Liability insurance is designed to provide protection for you and your gift shop business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

Things that could go wrong include a display collapsing on a customer or a customer tripping on stock that was left on the floor. Having the right Public Liability insurance will give you peace of mind.

Business Insurance*

Your customers are important but so is your stock, shop contents, and building. Without the right cover, you could be hit with a few unwanted financial challenges that could throw a spanner in the works. Business Insurance cover includes:

  • Contents* – protecting the contents of your shop from burglary, theft, or even damage is a wise move. This is not only your stock but also includes your displays stands
  • Building* – If you own the building where your shop operates from, you will need insurance to cover a rebuild should you suffer a fire or storm damage
  • Business Interruption* – could your business survive being shut for a week?

Cyber Liability*

Holding customer data, such as credit card information, comes with its own set of risks. If you are you selling online and collecting customer data (including credit cards) then protect your business from unwanted claims arising from data breaches.

Cords causing chaos

A gift shop owner outdid herself with a beautiful new display with exquisite lighting. A cord coming out from the stand caused an obstruction and a lady visiting the store tripped and broke her wrist. $12,000 was paid out for medical costs, lost work and rehabilitation.

Damage control

A gift shop owner rented premises in a quaint free standing terrace. A large storm caused the outside drains to be blocked resulting in water leaking in through the roof and damaging stock and fixtures in the store. $8,000 was paid out in damages.


*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

3 things to ask yourself when buying insurance

  1. When selecting your level of cover for contents, ensure you have enough cover year round, i.e. if you have higher stock levels at different times (e.g. Christmas) ensure you have enough cover for stock you hold at those times.
  2. Do you have any obligation by your landlord for a minimum amount of Public Liability?
  3. Does your landlord require any other cover for items like Glass?

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