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.

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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

This policy 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
  • Libel and slander lawsuits
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Umbrella / excess liability insurance icon

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.

  • Bodily injury lawsuits
  • Customer property damage lawsuits
  • Auto accident lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for retail stores?

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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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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.

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