Insurance for dessert and ice cream shops.
Dessert and ice cream shops live on freezers and refrigeration, which makes spoilage and equipment breakdown the central concern, alongside the usual premises and staff exposure.
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Freezers and spoilage
Frozen inventory is money sitting in your freezers, and a breakdown or power outage can wipe it out fast. Spoilage and equipment breakdown coverage protect the perishable stock and the equipment that keeps it cold, the single most important check for this segment.
Premises and staff
Customer traffic, hot equipment in some concepts, and a small staff create the usual premises and workers compensation exposure. General liability and workers comp cover the everyday side of the shop.
Lease and seasonality
Most dessert shops are tenants with lease certificate requirements, and many are seasonal, which can affect coverage and business income. We line the program up with the lease and the season.
Common questions.
What insurance does an ice cream shop need?
Is my frozen inventory covered if a freezer fails?
Does seasonality affect my coverage?
Does your coverage match how you operate?
Tell us how your restaurant runs and we will check your limits, endorsements, and exclusions against the way you actually operate. Educational, no obligation.
Coverage built around your freezers.
Tell us about your shop and we will make sure spoilage and breakdown are covered.