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Ice Cream Shop Insurance

Ice cream shops face many types of risks in addition to the common issues most small business owners can encounter. As an ice cream shop owner, you could be named in a lawsuit by a customer who feels they’ve been wronged after an experience like slipping and falling due to a wet floor, or being unintentionally served spoiled food should your refrigerators malfunction. With proper insurance coverage, you can protect your ice cream shop from these risks.

General Liability (GL) Insurance

Helps protect your ice cream shop when your employees, products or services cause damage to other people or their property, for example, if a customer slips or falls. Merchants has liability coverages available to help protect your ice cream shop such as:

Some of the included GL coverages are:

Medical Expenses

Covers costs of medical treatments should a customer get injured at your ice cream shop.

Employment Practices Liability (EPL) (Not available in Vermont)

EPL coverage protects you against claims of discrimination, sexual harassment and wrongful termination.

Employee Benefits Liability Coverage

Provides coverage for damages resulting from negligent acts, errors or omissions relating to administration of your employee benefit program.

Cyber Liability Coverage (Not available in Vermont)

This optional coverage provides comprehensive data security and privacy coverage that addresses both first party losses and third party liability claims, expert claims handling and breach response services in the event of a suspected breach, and a risk management website which provides information, guidelines and tools to help mitigate risk before a breach occurs.

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Commercial Property Insurance

Building and Business Personal Property Coverage protects you against loss to your physical assets such as your building, its contents, and your equipment. Merchants has property coverages available to help protect your ice cream shop such as:

Business Income and Extra Expense

Provides reimbursement of net lost business income and continuing normal operating expenses due to the suspension of your business operations from a covered loss.

Equipment Breakdown

Equipment Breakdown coverage responds to the cost of repairing or replacing mechanical, electrical or pressure systems equipment that suffers a breakdown. Covered property can include ice cream machines, freezers, blenders, and ice cream display cases.


Provides coverage for spoilage of perishable stock caused by a power outage.

Food Contamination

Coverage for loss of contaminated food, equipment cleaning expenses, and advertising expenses if your business is ordered to be closed due to the discovery or suspicion of food contamination.

Outdoor Signs

Coverage applies to your outdoor signs, whether or not they are attached to buildings that are within 1,000 feet of the described premises and are damaged by a covered loss.

Employee Dishonesty

Covers loss due to theft committed by your employees.

Water Backup and Sump Overflow

Provides coverage for damage to your property resulting from water which backs up or overflows from a sewer, drain or sump.

Money Savings Discounts are Available for:

  • Multiple Policies with Merchants Insurance Group
  • Franchises
  • Multiple Locations
Payment Options