Sweet Shop Insurance

Sweet Shop Insurance

Find Sweet Shop Insurance That’s Hand-Picked For You

From candy canes to cola bottles – sweet shops tend to bring out the child in all of us. Most customers of all ages will admire your shop whether they’re reminiscing about the old days or discovering new treats. With so many visitors roaming your store you need sweet shop insurance to protect you in case something goes wrong. But when you’re running a busy shop, finding time to compare shop insurance quotes can be a challenge. That’s why we offer a one-stop-shop for all your sweet shop and confectioner insurance needs. 

No matter how careful you are, accidents and incidents can happen. You need to think about liabilities that can arise from injury, illness or property damage affecting staff and customers, money and stock, your premises and more.

Therefore getting the right sweet shop insurance is vitally important to protecting your business and the joy it brings to customers – insurance cover that is tailored to the specific set of risks you face.

That is where we come in. At smei we’ve made it our mission to make buying the right sweet shop insurance as easy as possible. We’ll work with you to understand your business in detail, then find cover that is tailored to your needs – saving you valuable time and hopefully money along the way.

You Could Save Over 20%*

Contact our team to receive a no obligation, instant quote today.

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Cover available for sweet shops**

  • Accidental damage.

  • Book debts/accounts receivable.

  • Buildings cover.

  • Business interruption.

  • Contents cover.

  • Embedded machinery breakdown.

  • Employers liability.

  • Glass.

  • Goods in transit.

  • Legal expenses.

  • Loss of rent receivable.

  • Money at home of insured or authorised employee.

  • Money on premises or in safe.

  • Money on the premises outside business hours.

  • Public and products liability.

  • Subsidence.

  • Tenants improvements.

  • Terrorism.

Why Choose smei for Sweet Shop Insurance? 

We’re a specialist broker, so working with us is different than going direct to an insurer – you can expect great service, expert, unbiased advice and all the help you need to find the right sweet shop cover at the right price.

  • Get help to find an insurance policy that’s tailored to your needs.
  • Ensure you only pay for the covers that you need and want.
  • Receive renewal reminders to help make sure your sweet shop is never without insurance.
  • Rely on specialist support to help smooth the way should the time comes to make a claim.
  • Get all this for a competitive price – you could even save over 20%* on your quote.

Get a Sweet Shop Insurance Quote

We know that you’re busy, so we’ve made it as easy as possible for you to find the right sweet shop insurance. All you need to do is give us some basic information about your business and we’ll find you a quote for cover that’s closely tailored to your needs.

There’s no waiting around – you can get a quote online or over the phone in minutes – and your cover can be set up immediately, without fuss.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

Frequently asked questions

Cafe and coffee shop insurance costs can vary depending on the level of cover you need. For example, you will usually need standard covers like employers' liability if you have staff and public liability if your customers have an accident. But if you also have a larger coffee machine that would be expensive to replace, you're likely to need extra cover. Over the last 12 months 50% of our cafe insurance customers paid less than �452.80 per year, but the lowest premium was �229.* *Data compared from 710 policies sold in 2020. Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely to be interacting with members of the public on a daily basis, which means there's a risk of your charity's activities causing injury, illness or property damage to a third party. If an unexpected situation occurs, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee's negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. The cost of your insurance policy depends entirely on your needs. Our flexible policies can adapt to fit your requirements and your budget too. Multiple options may be available from our range of insurers - each with different features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you. As you constantly have members of the public filtering in and out of your supermarket, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or their property is damaged as a result of you or your employee's negligence. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. Stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around key dates when you would carry goods that are more expensive than usual, like at Christmas for example. Each supermarket has varying needs of protection. For example, your supermarket may have an onsite bakery or you may have a large amount of frozen stock that you need to insure. Speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs. The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers - each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you. Some types of insurance may be a legal requirement. Others will protect you and your supermarket in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your supermarket could be a false economy. For example, if you don't have public liability insurance and a customer trips over a box left on the floor you may be liable to pay costs of compensation. Therefore, it's important to consider all the risks facing your supermarket and match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business. Some types of insurance may be a legal requirement. Others will protect you and your bike shop in the event of a claim but are not compulsory. Not having the right insurance for your bike shop could be a false economy. For example, if you don't have public liability insurance and a customer trips over equipment or boxes on the floor you may be liable to pay costs of compensation. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.

91% of our customers would recommend our service

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smei is always best. We have more than 10 hair salons and they never forget the renewal time, never renew the policy without asking, customer service always polite and solve any problems quickly. Also I can see all of my policies on their portal, no waste of paper, everything online. Thank you smei!

Rana Dincer

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You Could Save Over 20%*
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