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BUSINESS INSURANCE FOR
Ice Cream Stores
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Ice Cream Stores

Owning an ice cream store is a reliable and fun way to earn a living. Ice cream is popular with all ages and can sell year round. Ice cream stores have a lot of activity in them, particularly during the busy seasons, and this introduces potential risks to your business. You can protect yourself from unexpected events, risks and hazards by carrying the right types and amounts of small business insurance.

General Liability

General liability insurance is an all-around, broad level of protection against everyday accidents. It also protects you from potential risks and hazards you may not have thought of previously, and those events that happen rarely such as natural disasters.

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General Liability Insurance Includes:

Business Owners Policy

A business owners policy, or BOP, is a more comprehensive and customizable type of business insurance. This coverage includes general liability insurance along with a number of other types of coverage that is designed to protect you from tangible and intangible losses. Some of the types of coverage you can select under a business owners policy include:

Business Auto

Business auto insurance protects your ice cream store from suffering the financial losses that arise due to auto accidents. If you or an employee drives any vehicle for business purposes, your auto insurance can pay for the repairs needed to damaged cars. It can also pay for your driver’s and passenger’s medical expenses, pay for the cost of lost equipment and products, and more.

Workers Comp

Workers comp insurance is required by law in most states. This is business insurance that protects your ice cream store as well as your employees. If an employee is injured on the job, workers comp coverage will pay for the resulting medical bills and expenses he needs to recover.

Commercial Umbrella

Commercial umbrella insurance is coverage that adds to the general liability, business auto and other business insurance policies you carry. If you reach the maximum limits of coverage on an insurance claim, commercial umbrella provides additional coverage to help prevent your ice cream store from having to pick up the balance.

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Insurance Products

General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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