Insurance for Ice Cream Shops

Insurance for Ice Cream Shops

Ice Cream Shops, like all retail shops, have unique Insurance needs that should be addressed. There are many coverages and programs available for Ice Cream Shops, which can make it difficult to decide on. This blog is for those that would like clarification on the most important coverages for your Ice Cream Shop.

Insurance for Ice Cream Shops – Business Owners Policy

Business Owners Policies are great for Ice Cream Shops because they are affordable and they offer both the General Liability and Business Personal Property on a single bundled policy. With this single policy, you can obtain coverage in case a patron gets injured as well as protect your business against property claims. If your Ice Cream Shop owns expensive equipment, you can even specifically schedule this equipment on to the policy to assure you get a full replacement cost.

Insurance for Ice Cream Shops – Workers Comp

Most Ice Cream Shops have employees and therefore need Workers Comp. Luckily, there are many carriers available that offer Workers Comp for Ice Cream Shops. Ice  Cream Shops are one of the few food oriented businesses that have their own Class Code designation. The 8078(3) Class Code is typically used for the Ice Cream Shop’s employees. Depending on your operations, you may be able to separately classify clerical and/or outside salespersons with 8810 and 8742 respectively.

Insurance for Ice Cream Shops – Additional Important Coverages

There are additional important coverages to consider when purchasing Insurance for your Ice Cream Shop. Ice Cream Shops with Business Personal Property should also carry a coverage referred to as Business Income. Business Income coverage can actually pay you for lost income in the event of a covered property claim. If your Ice Cream Shop offers any kind of off-premises or delivery services, you should carry some form of Commercial Auto Insurance in the event of an auto accident.

There are many coverages to consider if you own or manage an Ice Cream Shop, if you would like to learn more about these coverages, give us a call!

You can reach us at 925-297-4829.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.