Do bookshops need insurance?
When you own a bookshop, you’re catering to customers all day, every day. That means you need insurance so that you’re covered in case an accident should happen. You’ll also have a lot of stock on hand which means you would benefit from protecting in case of theft or damage to stock.
What type of insurance do local bookshops need?
Bookshop owners may want to consider a variety of covers, such as:
Public liability insurance
Public liability insurance - this cover is there to protect you against any third-party claims in the unfortunate event that someone gets injured while visiting your shop. AXA public liability offers up to £5 million protection, with varying levels of cover to suit every business’ needs.
Contents liability insurance
Contents insurance – AXA’s contents insurance offers you cover for your stock and business contents – whether you sell your books from a store or online. Your cover will also extend to fixtures, fittings, your shop front and your employees’ personal belongings, too.
Employers’ liability insurance
Employers’ liability insurance – This is a legal requirement under the Employers’ Liability Act 1969 for any business that has people working for them. This includes part-time and full-time staff, volunteers, trainees and temporary staff. With AXA, get £10 million protection and up to 50 days free cover for temporary workers.
Optional extras
There are several optional extras that are available to you depending on which AXA products you choose. For example, legal expenses, business interruption to name a few.
Am I insured to sell rare books?
If you sell second-hand books or rare and first editions, we can offer your cover under antiques, so that you get the right cover for your special books.
Are my books covered for theft or damage?
If you sell second-hand books or rare and first editions, we can offer your cover under antiques, so that you get the right cover for your special books.
Am I covered if my delivers are lost or damaged en-route to customer?
If you’ve chosen our goods in transit optional extra as part of your content insurance, then your deliveries will be covered under your policy. So, if something should happen and your books get damaged or stolen on their way to a customer, we’ve got your back.
How much does bookshop business insurance cost?
There is no one size fits all when it comes to the cost of our policies. Your price will depend on a few factors, such as:
- The type of work you do
- If you have employees
- The types and levels of cover you choose
- Your experience
If you’re interested in finding out what your policy might cost with us, the quickest and easiest way to find this out it to get a quote online. It’s quick, easy and you’ll get 10%** off for getting a quote online.
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Business advice
*The guidance is provided on behalf of AXA by Arc Legal Assistance Ltd who are authorised and regulated by the Financial Conduct Authority.
**This discount is applied automatically and lasts for the lifetime of your policy.