Bookshop Insurance

Every bookshop is unique, and at Bionic, we help you find insurance for all kinds of stores, including:

• Independent bookshops
• Second-hand and specialist bookshops
• Chain stores
• Bookstores with an online shop

No matter the size of your shop, we’ll help find cover tailored to your needs.

Even the most peaceful of bookshops face risks. Having the right insurance in place is key as you could have to pay out hefty legal fees, compensation or financial losses if something goes wrong like:

• A customer slips and falls in your shop
• Your stock is damaged by a fire or flood
• A break-in results in stolen cash or goods
• An employee gets injured while working

Bookshop insurance helps cover your losses if a claim is made against you or if you need to make a claim.

Bookshop insurance could cost from 82p a day*

Because all bookshops are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and prices depend on a number of factors, including:  

• Extent of cover — The more cover you opt for, the more expensive your package will likely be. 
• Your insurer — Depending on who is willing to insure you, the price for their policies will vary. 
• Location — The location of your business is taken into consideration when calculating the cost of your premiums. 
• Claims history — If you’ve made a claim on your policy or had claims made against you, it may affect your future premiums. 

_{*This price is for a shops and salons policy  – 10% of customers who were sold with one of our panel providers paid £300.23 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £25.02 a month or £0.82 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.}

Bookshop insurance won’t cover everything, and some exclusions apply, such as:

• Intentional damage – Damage caused on purpose isn’t covered.
• Neglect – Losses due to negligence in storage or security could void your cover.
• General wear and tear – Normal ageing or wear on equipment and stock isn’t included.

Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.

If you rent, your landlord is responsible for insuring the building, but you’ll need to arrange cover for anything inside, like your stock, equipment, and any liabilities. 

Unsure? Get in touch with our insurance team today to find the right cover for you. 

If you have an online shop, you’ll need insurance cover to protect any online trading too. We can help arrange this for you. 

Your bookshop is more than a business — it’s a community hub and a treasure trove of stories. Protect it with tailored insurance from Bionic.  

Start your quote online today or chat with our knowledgeable team, whose smart comparison tools make it easy to find tailored cover that fits your needs.