Sweet Shop Insurance Quotes & Cover

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Insurance for sweet shops

From candy canes to cola bottles - sweet shops bring out the kid in all of us. 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 confectioners insurance needs.

We compare quotes from a panel of the UK’s leading insurers so you get the right cover at the right price. We work closely with our panel of trusted insurers to take the hassle out of arranging your insurance.

If you know the covers you are looking for you can compare quotes and protect your business online in a matter of minutes. If you’re unsure of what you want and need some advice then give us a call. Our business insurance experts are on hand to help you find the right cover at the right price and provide professional insurance recommendations based on your individual needs.

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If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.

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Sweet shop insurance cover in detail

What is sweet shop insurance?

Sweet shop insurance is a simple way for you to buy various types of insurance covers. It's an all in one package to protect your sweet shop when something unfortunate happens. Having insurance to protect you financially against accidents, mistakes, theft, damage and legal fees is essential to provide you with peace of mind when running your retail business.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

If you’re running a sweet shop then public liability insurance is essential. It can protect your business against claims for injuries sustained at your premises. Public liability insurance can cover accidental injury to third parties or accidental damage to property resulting from your business activities.

Employers' liability insurance

Employers' liability insurance is designed to protect your staff in similar circumstances to public liability. Should an employee fall down some stairs at work or drop something heavy on their foot sustaining an injury, you may be liable to pay compensation. As an employer you have a legal obligation to protect your staff in case something unfortunate happens; employers’ liability cover does exactly that.

Property covers

Any shop owner will appreciate the need for comprehensive contents and stock cover as part of your shop insurance policy. If you’re responsible for covering the building as well then buildings insurance can be included in your sweet shop insurance policy. If you’re looking to cover items away from your shop, like laptops or other business equipment, we can even arrange cover for that too.

Business interruption

If you’re covering your contents, buildings and stock then you should consider business interruption insurance as part of your sweet shop insurance policy. This vital cover ensures that if you suffer damage to your premises, for instance, a fire or a flood, then your fixed expenses and loss of profit incurred would typically be covered by the policy. This protection could be the life-saver of your business and can help tide you over until you’re back on your feet. It could even cover the cost of alternative premises to help minimise disruption to your business.

Commercial legal protection

Commercial legal protection can be included in your sweet shop insurance policy to safeguard against employment disputes and awards of compensation. It can also offer protection against tax and VAT disputes and cover you financially if you, your business partners or employees are summoned for jury service.

Sweet shop insurance FAQs

Do I need sweet shop insurance?

A sweet shop insurance package is something you should consider and is designed to protect retailers which are premises-based. It’s an important insurance policy as it will provide you with the peace of mind that your premises, stock, employees and customers are protected.

Typically a sweet shop insurance policy will cover: loss of profit should you be unable to trade, damage to your sweet shop front and glass, theft or attempted theft of money, loss or damage to your stock, employee compensation claims following an injury or illness, claims made by members of the public who visit your sweet shop and protection for your premises.

What covers do sweet shops need?

At Premierline, we offer flexible sweet shop insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your shop, you should consider the following:

Public liability – for injured shop visitors or damage to their property.
Employers' liability – to protect your shop employees.
Buildings cover – to cover for loss or damage to your shop premises.
Equipment, contents and stock – to reinstate your items and belongings.
Business interruption – to keep finances running when disaster strikes.
Money cover – for theft or attempted theft.
Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

More information

How much does sweet shop insurance cost?

The cost of your sweet shop insurance will depend on your shop’s activities, what you sell, the location and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. A shop insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope you will never need to call on.

Why choose Premierline to arrange sweet shop insurance?

After many years of arranging sweet shop insurance and confectionery shop insurance, we understand the types of risks businesses face daily. This experience allows us to source the covers you need to protect your business.

It’s simple to get competitive shop insurance quotes online for your business if you know your insurance requirements. However, if you need advice on the level of cover you need, call us and we’ll be happy to help you make the right decisions for your shop insurance.

What type of sweet shops do Premierline work with?

As a business insurance broker, we can arrange insurance for a range of different sweet shop businesses. Such as:

Traditional sweet shops
Candy stores
Tuck shops
Confectionery shops
Chocolateries
Sweet wholesalers

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're Shop Insurance Experts

We understand the nature of running your shop often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your retail insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”

Household Goods Retailer

Customer since October 2023

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.

Don't just take our word for it, read more of our customer testimonials and reviews.

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Speak to a sweet shop insurance expert

Sweet shop insurance gives you peace of mind to focus on running your business. We all hope the worst will never happen, but if it does it pays to know you’ve got the back up and financial support to get back on your feet. Call us today for some expert advice and insurance recommendations tailored to your business.