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Candy distributors offer a variety of candies, nuts, popcorn and chocolates to businesses that engage in the retail sale of confections, such as candy shores and concessionaires. Products may be distributed in bulk or in pre-packaged forms. Distributors may specialize in one type of candy or offer a variety to retailers.

General Liability Insurance for Candy Distributors without Cooking – If customers are permitted to pick up candy from the premises, then premises liability risks are increased. Customer access should be restricted to waiting areas, offices, and retail sales areas. Warehouse and loading areas should be separated from visitor areas and designated by conspicuous “Employees Only” signage. Loading areas should be clean, free of defects, with uneven surfaces and changes in height well marked with yellow paint. Products liability is a concern as a result of potential contamination of the candy. Candy items should be properly dated and rotated in order to maintain quality. If candy is imported from other countries or if the candy is repackaged, relabeled, or altered in any way at the candy distribution center, then products liability risks are greater.

Workers’ Compensation Insurance for Candy Distributors without Cooking – Employees of candy distribution centers may be injured when lifting heavy objects or loading and unloading vehicles. Employees should be taught how to lift, load and unload the products. All dock workers should be trained how to properly secure vehicles in order to prevent merchandise toppling claims that arise when merchandise shifts and falls. If any machinery, tools or equipment are used for delivery, loading or unloading, then additional training should be provided to reduce the risk of injury.

Business Auto Insurance for Candy Distributors without Cooking – Delivery vehicles for candy distributors should be in good repair and maintained regularly with maintenance records on file. Drivers should be trained to operate the delivery vehicles in addition to the proper ways to load and unload vehicles. Drivers should have acceptable MVRs and their driving records should be checked on an annual basis. Long distance deliveries are commonly subcontracted out to common carriers and contract carriers, which would result in much lower business auto risks.

Property Insurance for Candy Distributors without Cooking – The potential for fire is low at candy distribution centers; but in the event of a fire, candy items are subject to a total loss. Candy can be contaminated from smoke, water, heat or fire. Packaging materials and the use of wood storage pallets increase the risk of fire. Trash and packing materials should be removed on a daily basis to reduce the fire load. If the building is constructed of fire restive and masonry non-combustible materials with firewalls in place, then the risk of total loss is reduced. Inland Marine risks are a concern while the candy products are in transit. Damage or contamination may occur in transit.

Crime Insurance for Candy Distributors without Cooking – Dishonest employees are the main source of crime for candy distributors. Employees responsible for inventory counts should not be authorized to process new orders. Internal audits should be conducted on a frequent and irregular basis to further reduce the risk of employee theft.