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Toy ShopInsurance
Toy Shop Insurance
Public liability and product liability cover built for toy shops, with the product safety standards that matter most when your customers are children.
Public liability and product liability cover built for toy shops, with the product safety standards that matter most when your customers are children.
Toy safety claimsRecall costsCustomer injury
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is toy shop insurance?
Toy shop insurance is a combination of covers built around selling products to children, public liability for customer injury, product liability for the toys you sell, and employers’ liability if you have staff.
One policy. Multiple risks. Every toy sold in the UK has to meet safety standards, so what you stock and how you check it both matter to how you’re covered.
The right toy shop cover depends on:
Age range of toys soldPremises and locationNumber of employeesSeasonal trading peaksStock value and turnoverCustomer-facing counter service
Cover that fits the way your shop works
Cover that fits the way your shop works
Children’s safety and product standards bring their own everyday risks.
Children’s safety and product standards bring their own everyday risks.
RecommendedPublic Liability
Protection if a customer or member of the public is injured or their property is damaged.
RecommendedEmployers’ Liability
Cover for claims involving employees injured at work.
RecommendedProperty & Contents
Protection for your premises, fixtures and fittings.
RecommendedBusiness Interruption
Support for loss of income following a fire, flood or closure.
RecommendedStock & Equipment
Cover for eligible stock and shop equipment.
OptionalProduct Liability
Protection against claims arising from toys or products you’ve sold.
What could go wrong in a toy shop?
What could go wrong in a toy shop?
Most toy shop claims come from a product failing a safety check, a choking hazard reaching a customer, a display tipping over, or a recalled item still on sale.
Most toy shop claims come from a product failing a safety check, a choking hazard reaching a customer, a display tipping over, or a recalled item still on sale.
Stock is later found not to meet UK toy safety standards.
Is this cover right for your shop?
This type of business insurance may suit you if you run a toy shop or sell toys and children’s products.
The right cover depends on:
Independent toy shopsToy shops with online salesEducational toy retailersToy shops with multiple sitesMarket stalls selling toysToy shops with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
A product safety failure, a display tipping over, a customer slip and a staff injury are the four toy shop scenarios insurers see most. Each responds to a different cover.
A product safety failure, a display tipping over, a customer slip and a staff injury are the four toy shop scenarios insurers see most. Each responds to a different cover.
Customer injury
A customer slips or trips on the shop floor.
Potential cover
Public Liability
Faulty toy claim
A toy is later found to have a safety fault.
Potential cover
Product Liability
Staff injury
An employee is injured while stocking shelves.
Potential cover
Employers’ Liability
Product recall
A supplier issues a recall on stock you’ve already sold.
Potential cover
Product Liability
How much does toy shop insurance cost?
There’s no fixed price. It depends on what age range you sell for, your staff numbers and your claims history.
Age range of toys sold
Products for younger children carry more product liability risk.
Online sales
Selling online as well as in-store can affect your risk profile.
Number of staff
More employees increase your employers’ liability exposure.
Level of cover
Adding product liability or a higher limit increases your premium.
Stock value
Higher-value stock affects your contents cover premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting toy shop insurance takes four steps: tell us about your shop, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting toy shop insurance takes four steps: tell us about your shop, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your shop
Your premises, staff and what age range you sell for.
2
Tell us what you need
Which covers matter most to you.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Toy shop insurance guides
Toy shop insurance guides
Practical advice on cover, product safety and staying protected.
Practical advice on cover, product safety and staying protected.
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Toy shop insurance FAQs
Toy shop insurance FAQs
Straight answers on cover, product safety and cost.
Straight answers on cover, product safety and cost.
Toy shop insurance is a combination of covers built around selling products to children: public liability for customer injury, product liability for the toys you sell, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
Related shops we cover
Related shops we cover
Toy shops share product safety and retail risks with these shops. Each has its own cover needs.
Toy shops share product safety and retail risks with these shops. Each has its own cover needs.
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Gift Shop Insurance
Similar product mix, seasonal peaks and display risks.
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Bookshop Insurance
Family-focused retail with events and browsing customers.
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Clothes Shop Insurance
Retail premises with stock, displays and customer footfall.