Washington Ice Cream Shop Insurance

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Washington Ice Cream Shop Insurance Policy Information

WA Ice Cream Shop Insurance

Washington 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?

Ice cream parlors sell ice cream and related products, and may operate on a seasonal basis. While some offer table service, others have customers place orders and pick them up at a counter. Some offer sandwiches or other types of fast food items and may have a cooking exposure.

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 Washington ice cream shop insurance policy.

Washington 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 Washington 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 Washington 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 WA 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 Washington 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 Washington 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 WA workers compensation that covers employees' occupational injury expenses.

Employee Dishonesty: This Washington 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 Washington 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.

WA Ice Cream Parlor's Risks & Exposures

Property exposures are from electrical wiring, cooking, refrigeration units, and heating and air conditioning systems. Wiring must be up to code, well maintained and adequate to support freezers. If ammonia is used as a refrigerant, there should be a leakage detection system to prevent an explosion. Refrigeration equipment must be inspected and maintained on an ongoing basis.

While cooking may be limited to microwave and ovens, there may be grills and deep fat fryers. These must be protected with automatic fire extinguishing equipment, shutoff valves, hoods, and filters. The kitchen must be kept clean and grease free to prevent fire spread. Filters should be regularly changed. Spoilage losses can be severe if the refrigeration equipment malfunctions or loses power.

Controls should be in place. Ice cream and other food items are highly susceptible to damage. A small fire or power outage can cause all stock to be condemned as unfit for consumption or sale. Loss of business income can be high after a loss, particularly if operations are seasonal.

Equipment breakdown exposure is due to the reliance of the business on properly maintained and electrically powered freezers. These must be regularly inspected and maintained.

Premises liability exposures are moderate due to public access to the premises. When seating is provided, customers may pick up their orders at a counter and carry them to their tables, generating spills that can result in slips and falls. Housekeeping must be excellent and spills must be cleaned up promptly. If hot beverages are served, temperatures must be limited to reduce injuries due to scalding.

Older patrons and those with mobility limitations are more prone to injury should a fall occur. Procedures should be in place to assist these customers in transporting purchases to their table. Floor covering must be in good condition with no frayed or worn spots on carpet and no cracks or holes in flooring. Steps and uneven floor surfaces should be prominently marked. Exits must be well marked, with backup lighting systems in case of power failure. Parking lots and sidewalks need to be in good repair, with snow and ice removed if operations are year round, and generally level and free of exposure to slip and falls.

Outdoor security and lighting must be consistent with the area. Seasonal operations may present an attractive nuisance hazard when not in use. There should be adequate security during the off-season. Lists of ingredients should be posted to prevent allergic reactions.

Products liability exposure is high due to the possibility of food poisoning, contamination and allergic reactions from food carried off premises for consumption. Monitoring the quality of food received, posting lists of ingredients, and maintaining proper storage temperature can reduce this exposure. The stock should be regularly rotated so older products are sold first. Out of date stock must be removed on a regular basis and discarded.

Workers compensation exposures are high due to slips, falls, cuts, burns, puncture wounds, foreign objects in the eye, frostbite from working with frozen food, heavy and awkward lifting, and interactions with customers. All walk-in freezers must have inside escape releases. Food handling can result in passing bacteria or viruses, resulting in illness. Anhydrous ammonia refrigerants are poisonous when leaked into confined spaces such as coolers.

Controls must be in place to maintain, check, and prevent such injury. As with all retail businesses, hold-ups are possible so employees should be trained to respond in a prescribed manner. Cleaning workers can develop respiratory ailments or contact dermatitis from working with chemicals. The employees tend to be minimum wage and turnover may be high. Company incentives to encourage long-term employment are positive signs of management control.

Crime exposures are from employee dishonesty and loss of money and securities. Criminal background checks should be conducted on any employee handling money. Most transactions are handled with cash. Money should be removed from the cash drawer at regular intervals and either deposited at the bank or stored in an on-premises safe. There must be a separation of duties between employees handling deposits and disbursements and reconciling bank statements.

Inland marine exposures include computers for tracking inventory and valuable papers and records for employee and supplier information.

Business auto exposures are generally limited to hired and nonownership liability for employees running errands.

WA Ice Cream Shop Insurance

Owning an WA 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.

Washington State Economic Outlook & Business Insurance Requirements

For anyone who is thinking about starting up a business, it is important that they choose a location that suites the industry that they wish to work in. With that said, in order to determine whether or not a location is the right choice for your business, you should have an idea about the state's economic status. You should also have an understanding of the WA state regulations related to the types of commercial insurance that you are required to carry.

Made In Washington

If you are thinking about starting up a business in the State of Washington, below, we offer some insight into the state's economic status. We also offer a glimpse at the WA insurance requirements that business owners must abide by.

State Of The Economy In Washington

Washington state may be famous for its gloomy weather, but when it comes to the economy, things here look bright. The economic outlook for Washington is healthy. It is expected that there will be more jobs added in the 2022 calendar year. There will be an increase in the productivity of labor. There will also be an increase in the state's unemployment rate during the year 2022, with a forecasted rate of 4.7 percent.

Washington is regarded as one of the top for businesses in the nation. In fact, it is listed at the 11th best state for business by Forbes. The industry that is expected to see the most growth are related to STEM (science, technology, engineering, and math). Among the top industries in this state include information technology. Education, healthcare, finance, and travel and tourism also contribute largely to the awesome economy of this state.

Commercial Insurance Requirements In WA

The Washington State Office of the Insurance Commissioner regulates the insurance industry in WA. Businesses are legally required to carry workers' compensation insurance. This type of coverage is required for any business that employs either hourly or salaried employees, and either part-time or full-time employees. You are also required to carry commercial auto insurance if you use a vehicle to conduct any type of business in this state. That means that if you are using a car to transport goods, make deliveries, or meet with clients, you must carry business auto insurance.

While commercial general liability insurance is not required in Washington, it is highly recommended. This type of insurance offers protection from lawsuits and other legal fees that may arise.

Additional Resources For Food Service Insurance

Learn about restaurants, bars, liquor stores commercial insurance coverages. See how small business food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.


Food And Drink Insurance

Bars, taverns, restaurants, cafeterias, and other eating and drinking places have significant insurance needs in three separate areas.

The first is property protection for physical damage to equipment, furnishings, building and supplies due to fire and other perils.

The second is premises liability coverage to protect customers due to slips, trips and falls on the premises, as well as for consumption of food products.

The final need is protection for employees due to frequent cuts, burns and other common employee injuries. Establishments that sell or serve liquor or other alcoholic beverages also need liquor liability coverage.

Slips and falls, along with customer illness due to being served tainted food or drink, are the primary liability exposures. The commercial general liability (CGL) is used to provide coverage for these exposures.

It is important to note that liquor liability coverage is excluded under the CGL form if a risk is in the business of serving alcoholic beverages. Many establishments in this category should therefore consider purchasing a separate liquor liability coverage form.

Restaurant kitchen equipment, inventory and dining room fixtures are common exposures for most eating and drinking places. Many of these establishments do not own the buildings they occupy but have long-term leases and have invested money in various improvements and betterments, including cooking equipment, dining room decorations and permanent fixtures.

There are major differences in the food service business and the very different exposures they present. There are many specific types of restaurants to cater to individual needs and tastes. There a several main commercial insurance classifications for food service.

Concessionaires: The most basic "eat on the run" type of restaurant is not classified as a restaurant at all but is referred to as a concessionaire. Class Code 11168: Concessionaires applies and the accompanying note states that all food and beverages must be sold through hawking or peddling. There can be no location to which customers walk up and purchase the food. This classification includes food sold at sporting events, exhibitions, and parks.

Caterers: Are very similar to restaurants with significant differences. The caterer prepares the meals at its own kitchen or commissary and then transports it to the locations where it will be served. Some final preparation may take place at the final location but the majority generally takes place at the caterer's location. The caterer's employees serve the meals and beverages and oversee the consumption of the food.

Restaurants: The way restaurants are categorized and classified uses the percentage of alcoholic beverage sales as the first criteria, followed by other features or operations.

Common to all of these categories is that entertainment-oriented venues such as nightclubs, cabarets, dance halls, discotheques, and comedy clubs must be separately classified and rated. This means that the sales that those entertainment activities generate must be broken out and rated separately from the sale or food and drink.

Minimum recommended small business insurance coverage: Business Personal Property, Business Income and Extra Expense, Spoilage, Equipment Breakdown, Employee Dishonesty, Money and Securities, Computers, Valuable Papers and Records, General Liability, Employee Benefits, Umbrella, Hired and Nonowned Auto & Workers Compensation.

Other commercial insurance policies to consider: Building, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivables, Bailees Customers, Fine Arts, Cyber Liability, Employment-related Practices, Environmental Impairment, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers and Stop Gap Liability.


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