Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Complete Quick Quote Form in about 2 minutes
• An experienced insurance agent will call you for phone quote
• Accept quote and coverage confirmation may be emailed in minutes.

These establishments sell candies, popcorn, nuts, fudge, taffy and other confectionary foods as well as cook and/or prepare the items they sell. Some novelty items, such as balloons, may also be offered. Delivery and/or mail order services are often available. Candies and other confectionaries may be sold individually or in bulk for customers to purchase according to the candy's weight.

General Liability Insurance for Candy or Confectionary Stores with Cooking – Candy or confectionary stores should have open walk areas with merchandise that is easy to reach by customers. Sidewalks and parking areas should also be clear and in good condition. Food poisoning and contamination are examples of products liability at candy or confectionary stores. Stores must be kept clean and sanitary at all times. Spills should be cleaned up immediately and “wet floor” warning signs should be posted to prevent customer injuries due to slipping and falling. Employees must also be properly trained to handle and dispose of food products.

Workers’ Compensation Insurance for Candy or Confectionary Stores with Cooking – Employees of candy or confectionary stores can experience burns, cuts, and falls when operating cooking equipment. Employees must be effectively trained on the job to properly operate the cooking equipment. Injuries can also occur as a result of lifting.

Business Auto Insurance for Candy or Confectionary Stores with Cooking – Business travel may result from candy or confectionary store employees running errands to the post office, supply stores, or bank. Employees may also be required to attend training classes off premises, which would increase business auto insurance risks.

Property Insurance for Candy or Confectionary Stores with Cooking – Fire is a risk at candy or confectionary stores due to the use of cooking equipment. If the equipment gets too hot, the fuel supply should be set to automatically turn off. All equipment should be properly wired and maintained. A licensed electrician should regularly inspect all wiring for cuts, fraying, and worn out insulation; and the necessary repairs should be made immediately. Older equipment should be promptly replaced to reduce fire risks. The candy can be contaminated during a fire, which may result in a total loss.

Crime Insurance for Candy or Confectionary Stores with Cooking – Crime risks are increased at candy and confectionary stores by employees stealing money or merchandise from the store. Employees should be well managed and monies should be monitored in addition to daily bank deposits. Other risks include credit card fraud; check fraud, and stolen monies by outsiders.