Business Insurance for Ice Cream Shops

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Ice Cream Shop
Several flavors of ice cream in a cone.
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Why do ice cream shops need insurance?

Ice cream shops can get a lot of traffic, and take on a lot of risk. A customer could slip in a spill and file a lawsuit, or a fire could destroy your equipment and merchandise. Ice cream shop insurance gives you the financial cushion you need to survive an accident and get back to business fast.

Ice cream shop worker serving ice cream cones.
Vertical bar chart underneath dollar sign

Find affordable coverage

Ice cream shop owners can save money on small business insurance by comparing quotes from top providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.

Which business insurance policies do ice cream shops need?

These insurance policies cover the most common ice cream shop risks.
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage at a discount. It can help cover the cost of spoilage if freezers or refrigeration units fail.

  • Customer bodily injuries
  • Business property damage and theft
  • Business interruption insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for small businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over work injuries
General liability insurance icon

General liability insurance

A general liability insurance policy covers basic third-party liability claims, such as alleged food contamination at your ice cream parlor. It’s required for most commercial leases.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability coverage
Commercial auto insurance icon

Commercial auto insurance

This policy provides coverage for accidents involving an ice cream store's vehicle. It can also cover vehicle theft and vandalism.

  • Property damage caused by your vehicle
  • Injuries caused to another person
  • Physical damage from vandalism or weather
Cyber insurance icon

Cyber insurance

This policy helps ice cream shops recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.

  • Data breach notification costs
  • Fraud monitoring services
  • Cyber extortion payments
Looking for different coverage? See more policies.

How much does food and beverage business insurance cost?

Owner of a food and beverage business calculating costs.

A small ice cream shop will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Type of business
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get ice cream shop insurance?

It's easy to get ice cream shop business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your ice cream shop, whether you work independently or hire employees.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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