Business Insurance for Candy Stores

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Save money by comparing business insurance quotes for candy stores

Every candy shop faces risks like fire, theft, and injuries. Small business insurance protects your store so you can focus on running your business.

Candy store owner holding basket of lollipops in front of candy display.

Multiple quotes with one application

Insureon helps candy shop owners compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do candy stores need?

These policies provide coverage for common candy shop risks.

Business owner’s policy

A BOP bundles commercial property insurance and general liability insurance under one plan. It’s often one of the most economical options for a candy or confectionery store.

BEST FOR

Customer injuries
Damaged business property
Business interruption incidents

General liability insurance

This policy covers common risks, including customer injuries and property damage at your candy store. It’s required for most commercial leases.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Product liability insurance

Workers’ compensation insurance

Workers' comp is required in almost every state for candy stores with employees. This policy helps cover medical bills and lost wages for work injuries and illnesses.

BEST FOR

Employee medical expenses
Missed wages
Employee injury lawsuits

Commercial umbrella insurance

Commercial umbrella insurance boosts coverage on a retailer's general liability, employer’s liability, or commercial auto insurance once the policy reaches its limit.

BEST FOR

Bodily injury lawsuits
Customer property damage lawsuits
Auto accident lawsuits

Looking for different coverage? See more policies.

Why do candy stores need insurance?

Your candy store has unique risks. A fire could destroy your inventory, or a customer could slip on spilled candy, hit their head, and sue for damages. The expenses could shut down your store, despite its loyal clientele. Business insurance offers financial protection so an unexpected event doesn’t set you too far back.

How much does insurance cost for retail stores?

Woman with clipboard calculating cost of insurance for her retail business.

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

Retail products and services offered
Business equipment and property
Revenue
Location
Number of employees

View Costs

What our customers are saying

"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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