How to Protect an Ice Cream Shop in New Jersey

If you're a business owner, running one of the most delightful operations in town makes sense. Regardless of your industry, you'll need coverage that works when a loss happens. New Jersey commercial insurance will help protect your ice cream shop so you can continue serving up happiness.

A New Jersey independent insurance agent has access to a network of carrier options. This means you'll get the best policy in town for an affordable price. Connect with a local expert to get started for free.

What Is Ice Cream Shop Insurance?

When you run an ice cream shop in New Jersey, you'll want proper protection. Ice cream shop insurance comes with coverage for property, bodily injury liability, and employees.

Retail price of ice cream (prepack, bulk, regular) in the US

You'll also have inventory when you run an ice cream business. There is separate inventory coverage to help protect your prized ice cream from spoilage and covered losses.

What Does Ice Cream Shop Insurance Cover in New Jersey?

In New Jersey, $13,470,081,000 in commercial insurance claims were paid in one year alone. There are foundational coverages your ice cream shop will come with automatically under your business policies. Check out what some common ones are below:

• General liability insurance: Pays for bodily injury or property damage claims where you and your employees are responsible.
• Business interruption: This will pay for regular business expenses when you are temporarily shut down due to a covered loss.
• Commercial property insurance: Pays for building, equipment, and inventory damage from a covered loss.
• Crime insurance: Pays for a claim involving forgery, fraud, or theft to your company.
• Workers' compensation insurance: Pays for an employee's medical expenses resulting from an injury or illness on the job.
• Errors and omissions insurance: Pays for negligence, personal injury, and consulting lawsuits by clients.

Can I Afford Ice Cream Shop Insurance in New Jersey?

Your ice cream shop insurance premiums will vary from other businesses in your area. Insurance companies look for individualized risk factors specific to your operation. Check out what carriers use to calculate your New Jersey ice cream shop insurance:

• Prior claims reported
• Number of years in the industry
• If you have employees
• If you have safety practices
• The value of property owned

Dollar sales growth of ice cream in the US, by type

Ice cream in the US is popular no matter where you live. America's pastime holds a special place in the hearts of many people, and coverage for your nostalgic business is needed to protect that. With ice cream being a hot commodity, you can't afford not to have coverage.

Will My Ice Cream Shop's Location in New Jersey Impact My Rates?

In short, yes. Where your ice cream shop is located in New Jersey will affect your insurance pricing. Take a look at what could play a role in your rates based on your territory:

• Local crime rate
• Local natural disasters reported
• Local claims reported by other insureds
• Flood zone assigned

How an Independent Insurance Agent Can Help You in New Jersey

In New Jersey, your ice cream shop will have many choices when it comes to coverage. It can be challenging to know what's necessary for your business. Fortunately, a trusted adviser can help review your policies for free.

A New Jersey independent insurance agent works with dozens of highly rated carriers, giving you options. They'll do the shopping and find coverage that's sufficient and competitive. Connect with a local expert on trustedchoice.com for tailored quotes in minutes.