Ice Cream Shop Insurance
Protect your ice cream, frozen yogurt, or gelato shop with affordable, customizable coverage from Food Liability Insurance Program (FLIP).
Benefits of Ice Cream Shop Insurance
Get the scoop on why FLIP’s ice cream shop insurance is essential for your business.
Meet Insurance Requirements
Satisfy lease or legal coverage requirements with an instant certificate of insurance (COI) and seamless additional insureds.
Tailor Your Coverage
Build your policy based on how you operate, with protections for general and product liability, freezer breakdown, workers comp, and more.
Build Trust in Your Business
Boost your ice cream shop’s reputation by showing customers, employees, and partners you’re financially prepared for unexpected meltdowns.
What Is Insurance for Ice Cream Shops?
Insurance for ice cream shops is a type of restaurant insurance designed to financially protect your business. It typically bundles general and product liability with commercial property insurance, but you can customize your policy to your needs.
Your policy can cover common claims, including:
- Third-party bodily injuries, such as customer slip-and-fall injuries at your shop
- Damage to your own business property or to third-party property
- Foodborne illness, such as a customer claiming your ice cream made them sick
- Equipment breakdown, such as repairs to your freezer or soft-serve machine
- Workplace incidents involving employees
Ice cream shop liability insurance helps cover the costs of these claims, so you can focus on crafting tasty flavors and serving customers confidently.
If you sell ice cream from a food truck, booth, or trailer, you might need food vendor insurance instead! We offer specialty coverage for businesses that don’t operate out of traditional brick-and-mortar locations, so you can stay protected based on how you serve.
What Kind of Insurance Does an Ice Cream Shop Need?
Ice cream, fro-yo, gelato, and other frozen treat shops generally need liability and property coverage to protect their businesses. With FLIP, it’s easy to tailor your coverage to fit your business — just like ordering your favorite sundae.
Coverage | What It Covers | Example Claim |
Third-party bodily injuries and damage to other people’s property caused by your business | A customer slips on melted ice cream near the toppings bar, breaks their wrist, and sues to cover their medical bills | |
Food-related injuries and illnesses caused by the frozen treats you sell | A customer claims they became ill after eating ice cream that was improperly stored and spoiled | |
Legal expenses if you’re accused of causing financial harm while advertising your business | A competing gelato shop claims your new slogan is too similar to theirs and files a lawsuit | |
Limited property damage coverage for your rented space | A freezer overheats and causes fire damage to the walls and flooring of your leased shop | |
Commercial property | Damage to your building (if owned) and its contents (equipment, inventory, or furniture) | A break-in results in stolen cash, damaged display freezers, and lost inventory |
Employment Practices Liability Insurance (EPLI) | Legal costs if an employee accuses you of discrimination, harassment, or wrongful termination | A seasonal employee files a claim alleging unfair dismissal at the end of the summer |
State-required benefits for employees injured on the job or with work-related illnesses | An employee strains their back lifting heavy tubs of ice cream and needs medical care (and time off work to recover) | |
Business income interruption | Lost income and operating expenses if you must temporarily close after a covered incident | A fire damages your freezers, forcing you to close for several days and replace inventory |
Financial losses from cyberattacks, such as a breach that results in stolen customer data | Your point of sale (POS) system is hacked, exposing customer payment data, which requires you to notify customers and offer credit monitoring | |
Equipment breakdown | Repairs or replacement of damaged equipment due to mechanical or electrical failure | Your walk-in freezer breaks down overnight, requiring urgent repairs before you can reopen your shop |
Coverage for mobile equipment in transit or at temporary locations | Your ice cream cart and portable freezer are stolen while catering a local event |
How Much Does Ice Cream Parlor Insurance Cost?
On average, ice cream restaurant insurance costs just $208.33 a month or about $2,500 per year. Your premium is calculated based on factors such as:
- Your gross annual revenue
- Your location
- Your payroll
- The services you offer
- Your claims history
- Whether you rent or own your location
- Whether you sell or serve alcoholic beverages
Why Food Businesses Love FLIP
Check out what other food and beverage owners say about us from over 450 reviews.
Ice Cream Shop Insurance Coverage Details
General Liability Aggregate Limit
Starts at $2,000,000
Products-Completed Operations Aggregate Limit
Starts at $2,000,000
Personal and Advertising Injury Limit
Starts at $1,000,000
General Each Occurrence Limit
Starts at $1,000,000
Damage to Premises Rented to You Limit
Starts at $50,000
Liquor Liability Occurrence & Aggregate Limit
Starts at $1,000,000
FAQs About Ice Cream Store Insurance
How Do I Get Ice Cream Shop Insurance?
Cover your brick-and-mortar ice cream business in three steps:
- Start your application
- Tell us about your business and submit
- A licensed agent reaches out to you with a free quote and helps you create the perfect policy for your shop
Is Ice Cream Shop Insurance Required?
Ice cream shops are often required to carry liability insurance, especially to meet lease or landlord requirements. If you have employees, you likely also need workers compensation insurance.
Requirements vary by state, but having the right coverage helps you check all the boxes and protect your business before your first customer lines up.
Does Ice Cream Shop Insurance Cover Spoiled Inventory?
Ice cream shop insurance may cover spoiled inventory if you add food spoilage coverage to your policy. This additional protection is designed to cover the loss of perishable foods (such as spoiled ice cream due to a power outage), so you don’t have to eat the costs.
Always confirm your exact coverage by reading your policy details or speaking to an agent.