New Jersey Ice Cream Shop Insurance
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Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
New Jersey Ice Cream Shop Insurance
New Jersey Ice Cream Shop Insurance. Ice cream is quite possibly the most universally beloved confectionery. To make sure the smiles keep coming from happy customers, you depend on your equipment and your employees. But what if your ice cream equipment breaks down or an employee is injured on the job? Would your insurance provide enough coverage to pay for repairs or medical costs?
There's always a chance of possible loss, damage or theft of your utensils, damage to your kitchens, or an expensive claim if an employee or member of the public is injured or worse due to your work. That's why it's important to manage these risks and keep your business safe with a tailored New Jersey ice cream shop insurance policy.
New Jersey ice cream shop insurance protects your parlor from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
Why Do You Need Ice Cream Shop Insurance?
The New Jersey ice cream shop insurance is suitable for anyone who owns or manages an ice cream parlor, shop or cafe selling ice cream and frozen treats. Compared to a standard business insurance policy, a New Jersey ice cream shop insurance meets the needs of the hospitality industry. For example, you will probably find your business is seasonal so you carry different levels of stock during the year. This policy can be tailored to your requirements so you're only paying for coverages that are relevant to your operation.
Types Of Ice Cream Store Insurance
The risks for an NJ ice cream store can be very wide because of the many different exposures involved with your business activities. Before paying costly fees for an attorney's advice, we can at least help you to identify some of the potential claims that could arise and the New Jersey ice cream shop insurance coverages that would protect you in the event of such claims:
Food Contamination Insurance: Many ice cream stores also have a deli or restaurant, where you are serving hamburgers or chicken sandwiches. Cross-contamination of raw meat with ice cream could cause serious illness among your patrons. Protect your business with the food contamination policy.
Commercial General Liability: General liability Insurance protects your business from various third party liability claims:
- Premises Liability - Protects you in the event that one of your customers sustains an injury while on your premises. An example would be a child dropped is ice cream on floor and another customer slipped and fell on it.
- Product Liability - If one of the products you sell causes a an illness or injury, this coverage will help pay for your legal and court fees if a lawsuit should arise.
Equipment Insurance: What do you do when your dispensing machines stop working? Or if your store was vandalized... Pretty much, you have nothing to sell. Unless of course you have all risk equipment insurance. All risk means that you are protected from any peril that damages your equipment. You do not need to specify which perils you are protecting your business from - all risks means just that - complete protection.
Business interruption: This New Jersey ice cream shop insurance policy provides coverage to make sure that if something unfortunate were to happen, you won't be out of pocket. For instance, if you suffered fire damage at your premises meaning you were unable to open, business interruption will typically cover your gross profit and fixed expenses while we get you back on your feet. This means you shouldn't be out of pocket if the worst does happen.
Workers' Compensation: Workers comp is required in most states for any non-owner employees. Protect yourself with NJ workers compensation that covers employees' occupational injury expenses.
Employee Dishonesty: This New Jersey ice cream shop insurance coverage protects your business from financial loss in the event that one of your employees steals from your business or engages in other illegal behavior while working for you.
Cyber Liability: If you also retail the ice cream through your website, Facebook or any other channel, you may be aware that you are at risk of a variety of cyber crimes. Hackers can get into your account and forge payments, or steal business or customer financial information and use it for illegal means. Cyber liability insurance will protect your business from losses incurred from crimes like these.
Commercial Crime: Unfortunately, crime occurs in many retail stores, including ice cream stores. Crimes you are open to include theft, shoplifting, fraudulent payment for merchandise, embezzlement, and vandalism that destroys your stock. Since this is a significant risk, you should protect your store with crime insurance. If an employee steals money from the cash register or someone vandalized your property, you have insurance to cover the loss.
Business Owners' Policy (BOP): BOPs are great for ice cream stores because they are affordable and they offer both the general liability, business personal property and business interruption on a single bundled policy. With this New Jersey ice cream shop insurance policy, you can obtain coverage in case a patron gets injured as well as protect your business against property claims.
Commercial Umbrella: This is a coverage that adds excess coverage to your other liability policies. If you reach the maximum limits of coverage on an insurance claim, a commercial umbrella provides additional coverage to help prevent your ice cream store from having to pick up the balance.
NJ Ice Cream Shop Insurance
Owning an NJ ice cream parlor is a reliable and fun way to earn a living. Ice cream is popular with all ages and can sell year round. Shops have a lot of activity in them, particularly during the busy seasons, and this introduces to more potential risks to your business. You can protect yourself from unexpected events, risks and hazards by carrying the right types and amounts of commercial insurance.
Request a free New Jersey Ice Cream Shop insurance quote in Atlantic City, Bayonne, Bergenfield, Bridgeton, Camden, Carteret, Cliffside Park, Clifton, Dover, East Orange, Egg Harbor, Elizabeth, Elmwood Park, Englewood, Fair Lawn, Fort Lee, Garfield, Glassboro, Hackensack, Hawthorne, Hoboken, Jersey City, Kearny, Linden, Lodi, Long Branch, Millville, Morristown, New Brunswick, Newark, North Plainfield, Palisades Park, Paramus, Passaic, Paterson, Perth Amboy, Plainfield, Pleasantville, Point Pleasant, Rahway, Ridgewood village, Roselle, Sayreville, South Plainfield, Summit, Trenton, Union City, Vineland, West New York, Westfield and all other NJ cities. Also see Pennsylvania Ice Cream Shop Insurance, New York Ice Cream Shop Insurance, Delaware Ice Cream Shop Insurance, Kentucky Ice Cream Shop Insurance, California Ice Cream Shop Insurance, Texas Ice Cream Shop Insurance
Quotes from leading small business insurance carriers including: ACE, AmTrust, Builders & Tradesmen's, Chubb, CNA, Employers, Foremost, Guard, Hiscox, Liberty Mutual, Markel, Nationwide, Penn America, Philadelphia, Progressive, Scottsdale, The Hartford, Travelers, USLI, Western World, Zurich & others.