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Smoke, tobacco, and vape shopsCompare insurance quotes for candy stores
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Candy or Confectionery Store (Without Cooking)
Business Insurance for Candy Stores
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Candy or Confectionery Store (Without Cooking)
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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.
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
Most states require workers' comp for candy stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Missed wages
- Employee injury lawsuits
Cyber liability insurance
This policy helps chocolate shops and candy stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
Commercial umbrella insurance
Commercial umbrella insurance boosts coverage on a candy shop'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
Commercial auto insurance
Most states require commercial auto insurance for business-owned vehicles. This policy covers accidents involving a candy store's delivery van or other vehicle.
BEST FOR
- Damage to another vehicle
- Injuries caused to another person
- Repairs due to vandalism or weather
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?
Several factors will have an impact on insurance costs, including:
- Retail products and services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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