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Business Insurance for Candy Stores
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Candy or Confectionery Store (Without Cooking)
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Why do candy stores need insurance?
Every candy shop faces risks like fire, theft, and injuries. If someone sues for damages, the costs 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.
Find the right coverage
Insureon helps candy shop owners find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of business insurance do confectionery stores need?
These insurance policies cover the most common risks at candy shops.
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It’s often the most economical option for a candy shop or confectionery store.
BEST FOR
- Customer injuries
- Stolen or damaged inventory
- Business interruption incidents
General liability insurance
This insurance covers common third-party risks, including accidents that injure customers or damage their property. 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-related injury costs that health insurance might deny.
BEST FOR
- Employee medical payments
- Disability benefits
- Employee injury lawsuits
Cyber liability insurance
This policy helps chocolate shops and candy stores survive data breaches and cyberattacks. It's recommended for any small business 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
- Property damage lawsuits
- Auto accident lawsuits
Commercial auto insurance
Most states require a commercial auto policy 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
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does insurance cost for retail stores?
A small candy shop with a few employees will pay less for insurance than a larger business.
Factors that affect premiums include:
- Retail products and services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Deductibles and other coverage options
How do I get candy store insurance?
It's easy to get candy 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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 confectionary store, whether you work independently or hire employees.
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