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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Save money by comparing business insurance quotes for ice cream shops

Your ice cream shop faces the same risks whether you’re an independent owner or part of a franchise. Small business insurance gives you financial protection from theft, fire, injuries, and lawsuits.

Ice cream shop worker serving ice cream cones.
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Multiple quotes with one application

Insureon helps ice cream shops compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do ice cream shops need?

These policies provide coverage for the most common ice cream shop risks.
Business owner’s policy icon

Business owner’s policy

This policy bundles commercial property insurance and general liability insurance under one plan. It’s often one of the most economical options for an ice cream shop.

  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical expenses
  • Missed wages
  • Lawsuits over work injuries
General liability insurance icon

General liability insurance

This policy covers customer injuries at your ice cream shop, customer property damage, and advertising injuries. It’s required for most commercial leases.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel and slander lawsuits
Commercial auto insurance icon

Commercial auto insurance

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

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

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 on a wet floor 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.

How much does food and beverage business insurance cost?

Owner of a food and beverage business calculating costs.

Several factors will have an impact on insurance costs, including:

  • Type of food and beverage business
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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Ice Cream Shop