Business Insurance for Candy Stores

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Candy or Confectionery Store (Without Cooking)
Jars filled with colorful candies.
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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.
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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 icon

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.

  • Customer injuries
  • Damaged business property
  • Business interruption incidents
General liability insurance icon

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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Cyber liability insurance icon

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.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

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.

  • Bodily injury lawsuits
  • Customer property damage lawsuits
  • Auto accident lawsuits
Commercial auto insurance icon

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.

  • 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?

Retailer with a clipboard calculating the cost of business insurance.

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
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Candy or Confectionery Store (Without Cooking)