Do toy shops need insurance?

Yes, they do. If you own a shop, then investing in business insurance is vital. There are several reasons you might want to do this, such as:

  • You interact with people every day – eager kids, their parents Nand grandparents - so it’s important that you’re protected in case someone gets accidentally injured in your shop
  • You sell toys – the majority of which will be used by children – so you’ll need to make sure that you have the right cover in place in case a child gets injured as a result of one of your toys
  • You have a lot of valuable stock – this means you might want to protect it against theft or damage. If you take our contents cover, you can also add buildings insurance to protect your fixtures, fittings and stock in case of a break in or damage from extreme weather

What type of insurance do toy shops need?

There are several types of insurance to consider for your toy shop.

Public and products liability insurance is designed to protect you in case a member of the public gets accidentally injured in your store. Accidents happen – it happens. But what would happen if a customer trips over a loose fixtured and gets hurt? With up to £5 million protection, public liability protects you against claims from these third parties.

Employers’ liability insurance is a legal requirement under the Employers’ Liability Act 1969 if you have anyone who works for you. This extends from full and part-time employees to volunteers, apprentices and trainees. It protects you if an employee falls sick or gets injured as a result of working for you.

Contents insurance will cover you can help you replace the contents of your shop. This covers everything from the toys, and you sell to the shelving you keep them on. You’ll even be covered for employees’ personal belongings if they’re damaged, lost, or stolen. With this cover you’re covered as standard for things like contents, stock and your shop front. But you can also choose to add on o cover for your building, loss of money, deterioration of stock and goods in transit.

Do I need public liability insurance?

As a business that caters to the public, you need public liability insurance to make sure that if someone gets injured in your store or a result of one of your products then you can handle that situation.

This is where public liability insurance comes in. Life is unpredictable, and you never know when something could go wrong. At AXA we offer cover level starting at £1 million and ranging anywhere up to £5 million, depending on your needs. We can help you settle a claim, pay legal fees, and cover the costs of repairs or replacements.

What about my products?

As part of our public liability insurance, you’re covered for product liability. This means that if you make, sell, or supply toys you’ll be protected from claims if a toy of your accidentally harms a child who’s bought it.

For example, what if one of your toys has been manufactured incorrectly and as a result several people are experience issues with their product? If something like that happens, we’ve got your back.

What protection do I need to sell toys online?

Online stores require, for the most part, the same insurances as physical stores. The main covers to consider if you’re selling online are:

  • Public liability insurance
  • Contents insurance
  • Employers’ liability insurance
  • Business equipment insurance

How much does toy shop business insurance cost?

No two business are the same, which means neither are their policies. At AXA, we take a variety of things into account when we’re determining the cost of your policy. These include:

  • Where your shop is located
  • What you sell
  • If you have employees
  • How long you’ve been trading
  • If you’ve made any business insurance claims previously

The easiest way to find out what you’re likely to pay is to get a quote. It’s quick, simple and can be done online. If you get a quote with us online, you’ll also save 10%* off your price.

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*This discount is applied automatically and lasts for the lifetime of your policy.