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These stores sell candies, popcorn, nuts, fudge, taffy and other confectionary foods that have been cooked, prepared and packaged elsewhere. They may offer novelty items, such as balloons, delivery services and/or mail order services as well. 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 without Cooking – Candy and confectionary stores should offer clear walk areas that have no exposure for slip and fall. Products should be displayed so they are easily accessible. Shelving and displays should be structurally sufficient and sturdy in order to prevent shelving collapse and customer injuries. Exit signs should be clearly visible. Parking areas should be free of debris. Products liability can result from contaminated food or food poisoning. Candy and food must be fresh and of acceptable quality. Candy and confectionary stores should be treated for insects and pests, but caution must be used in order to prevent contamination.

Workers’ Compensation Insurance for Candy or Confectionary Stores without Cooking – Proper lift training should be enforced to help prevent back injury or strain. Candy and confectionary store employees may also face cut hazards from opening stock containers with knives or razors.

Business Auto Insurance for Candy or Confectionary Stores without Cooking – When employees of candy and confectionary stores use their own vehicles for business related travel, their MVRs should be checked and verified for acceptability and they should be required to carry a Personal Auto policy with minimum Auto Liability limits of $300,000 combined single limits.

Property Insurance for Candy or Confectionary Stores without Cooking – Fire is a risk at candy and confectionary stores that can result in smoke, heat or water damage. The principal fire loads for candy and confectionary stores include paper and plastic packaging, cardboard shipping cartons, and cleaning supplies. Contamination may be a problem that leads to a total loss in the event of a fire.

Crime Insurance for Candy or Confectionary Stores without Cooking – Loss of money, securities and employee dishonesty contribute to the crime risks in candy and confectionary stores. All monies should be controlled through procedures such as monitoring the cash register, immediately stamping incoming checks “for deposit only,” separating employee duties, and depositing money daily. Inventory counts should also be performed on a regular and irregular basis.