Business insurance for Bookshops and booksellers

When you own a bookshop, insurance might not be the first thing on your mind. Risks can come with interacting with the public, however, and events such as floods can leave you at a loss.

A bookseller’s stock is precious – whether it’s bestselling books, brochures, or specialist journals, business insurance can help if you need to replace damaged stock. 

Whether you own a bookshop or are a part-time bookseller, tailor business insurance to your needs to make sure you’re protected. 

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Why choose Hiscox for bookshop insurance?


Cover tailored to you

From public and products liability to employers’ liability, pick and choose what covers best suit you so your policy is truly personalised


Flexible payments

We know how important it is to feel in control. At Hiscox, you can pay for your insurance monthly, starting from £8.40*

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between April 2023 and April 2024


Award-winning support Good customer service is crucial to running a successful bookshop and you can expect the same from your insurer – we’ve won the Feefo Platinum Service award on multiple occasions

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Get a quote for business insurance and any covers you might need.

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Why do bookshops and sellers need insurance?

Customer trips on a bookshop ladder

You’ve just received a batch of brand-new stock and you’re working on putting everything in its rightful place on your shelves. Of course, you need to bring out your ladder to reach the very top. Unfortunately, a customer trips over the ladder and falls, resulting in a broken wrist. Accidents happen, but the customer decides to claim for their injury. In this case, public liability insurance could help to cover the compensation costs and legal fees.

Flood in your storeroom

It’s coming up to the festive season, which means your storeroom is filled with extra stock. Of course, with the winter weather comes a lot of rain and, after one particularly bad night, you come to work to find your storeroom flooded. Your books are ruined and they couldn’t possibly be put on the shelves. This is where business contents insurance could help. This policy can cover the costs for replacing any damaged stock, so you’re ready to resume trading.

Shop assistant injury

One of your booksellers was restocking the shop when a bookshelf toppled over and hit them, causing concussion. They’re fine, but they do decide to claim for their injury. Employers’ liability insurance can cover you for any legal fees and compensation you might face as a result. In most cases, having this cover is a legal requirement for businesses (external link)in the UK.

What insurance is available for bookshops?

Some booksellers also opt to add covers such as portable equipment insurance or cyber insurance to their business policy. If you own your shop building, commercial buildings insurance can prove useful.

Getting a new policy was a streamlined and easy experience. Plus, they have great rates on top of it. Very pleased with my overall experience!
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Insurance for bookshops and sellers: FAQs

How much does bookshop business insurance cost?

The price of bookshop business insurance depends on a few factors, including which covers you want to include in your policy and the size of your business. Because of this, often the price you pay will be tailored especially to the insurance policy you build. We will give you a quote before you sign up for your policy, which can start from around £8.40 per month*.

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between April 2023 and April 2024

Are my books covered for theft and damage?

If you add the relevant cover to your bookshop business insurance policy, then yes. At Hiscox, you can tailor your cover to suit your needs. So, if you add business contents insurance to your policy, the cost to replace or repair your books in the event of theft or damage can be covered.

There are also other insurance options, such as portable equipment insurance, which covers theft and damage to items such as laptops while you’re out and about.

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