Snow Cone & Shaved Ice Shack Insurance
The perfect treat on a hot summer’s day. The perfect snow cone shack insurance for your business.
Snow Cone Shack Insurance Benefits
Discover the benefits of shave ice insurance and how it can protect your business.
No Quote Process
Fill out an application and instantly receive your policy price. Purchase in 10 minutes or less and protect your business with a policy designed just for you.
Licensed In All 50 States
Take your snow cone business wherever you need. We can cover your business in all 50 states.
Conveniently Online
Gain instant access to policy documents, certificates of insurance, and free, unlimited additional insureds.
What Is Snow Cone Shack Insurance?
Snow cone shack insurance is a series of liability coverages that can protect your snow cone business from the costs of third-party injury and property damage claims associated with the industry. Costs can include attorney fees, medical fees, and more.
Snow cones & shaved ice are the ideal summer treat, and the Food Liability Insurance Program (FLIP) is the ideal insurance policy for owners of seasonal snow cone shacks.
Small food and drink businesses can be incredibly profitable and successful, especially in the hot summer months. But they are also open to many liability risks that could cripple a small business. FLIP is here to help!
Types Of Beverage Carts Covered
FLIP provides insurance coverage for a wide variety of food beverage cart businesses.
- Beverage Carts
- Coffee Carts
- Juice Carts
- Smoothie Carts
- Fair Beverage Stands
- And more!
Why Do I Need A Trailer Endorsement?
Most general liability policies exclude incidents that occur in, on, or around your food trailer. A Trailer Endorsement covers those exclusions so you do not have to leave part of your work station uninsured. It is important to note that the Trailer Endorsement only covers liability incidents in, on, or around the trailer when the trailer is detached from your towing vehicle and parked on a rented premise. Make sure your vehicle’s auto policy covers the trailer when it is attached to a vehicle; some auto policies may exclude trailers that have license plates or vehicle identification numbers (VIN).
Let’s Talk Numbers For Snow Cone Shack Insurance
Snow Cone Shack Insurance Coverage Details
General Liability
Aggregate Limit: $2M
As the most common type of claims, General Liability insurance can protect your business from paying for third-party bodily injury and property damage claims. This can also protect against claims regarding products-completed operations, personal and advertising injury, and more.
Product Liability
Aggregate Limit: $2M
As a food-related business you are vulnerable to customers accidentally getting sick from the food you served them. Product Liability Insurance can protect you from paying out of pocket for claims that your food made a customer ill.
Inland Marine (Tools & Equipment)
Aggregate Limit: $10K
Protect your business from the cost of repairing or replacing damaged equipment. FLIP offers increased coverage limits for inland marine based on your business’ insurance needs.
Damage to Premises Rented
Aggregate Limit: $300K
Protect your business from the cost of claims arising from damages to rented spaces. This includes an event booth or commercial kitchen.
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Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property\ Inland Marine Limit (Any One Article/ Aggregate)
$5,000/$10,000
Business Personal Property\ Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
