Toy shops need specific insurance to help cover their risks, including:

• Public Liability Insurance – It can protect your business against claims from members of the public while visiting your shop for accidents of injuries they may experience, subject to policy terms and conditions.
• Employer’s Liability Insurance – It can protect your business against claims from employees who suffer injury or illness arising out of their work for you, subject to policy terms and conditions. Please note that if you employ any staff, you have a legal obligation to get employer’s liability insurance, subject to policy terms and conditions.
• Contents Insurance – This cover can help protect your stock, your equipment, and your store’s fixtures and fittings against loss or damage; such as fire, flood, theft and other certain risks. This may also include cover for accidental damage to stock, such as if a child accidentally drops a toy or knocks over a display while browsing your store, subject to policy terms, conditions, exclusions and any applicable limits.
• Buildings Insurance –This cover can help protect your store premises for damages from fire, as well as damages from floods, break-ins and other certain risks, subject to policy terms, conditions, exclusions and any applicable limits.
• Business Interruption Insurance – If your store is unable to operate fully or you need to temporarily close following an insured event, this cover can help with ongoing business expenses and/or loss of income while you recover from an unexpected event, subject to policy terms and conditions.