Ice cream shop insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$33.75
/month*
Could help cover incidents like a customer slipping on a wet floor, or damage to your equipment from a fire.
What’s included:
Business Owner’s Policy
Coverage limits: up to $1M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$33.75
/month*
Could help cover incidents like a customer slipping on a wet floor, or damage to your equipment from a fire.
What’s included:
Business Owner’s Policy
Coverage limits: up to $1M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
Written by
Why Do Ice Cream Shops Need Insurance?
You understand that the right scoop temperature can make or break a waffle cone. You know the exact science of stacking flavors so the heaviest scoop never collapses the base. You might even know how to build a picture-perfect sundae with a flawless hot-fudge drizzle. But you may not know offhand the right kinds of business insurance for an ice cream shop.
Below are some of the most common types of insurance policies that ice cream shops carry to stay protected.
What Type of Ice Cream Shop Insurance Do I Need?
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Ice Cream Shop Insurance Cover?
You see them every day. Customers who just can’t seem to choose which flavor they want to order. Do they want versatile vanilla in a cone, a scoop of rich chocolate, or bold strawberry with all the fixings? They might stand there paralyzed with indecision for five minutes before realizing they don’t need to choose. Neapolitan ice cream will offer the best of all three worlds.
Insuring your ice cream shop can lead to similar decision paralysis. With so many choices for commercial insurance coverage, it can be difficult to choose. Plus, having multiple policies can feel like balancing too many scoops on a cone. Fortunately, there’s a Neapolitan option for small business insurance: a business owner’s policy (BOP). This type of insurance typically bundles three types of coverage into one convenient package policy. BOP insurance offers:
- Simplicity: Manage one policy instead of several.
- Flexibility: Add or drop coverages as your needs change.
- Value: Bundling coverage often can cost less than having separate policies.
Please pay particularly close attention to the BOP product you end up purchasing since included coverages can vary.
What is BOP Insurance for an Ice Cream Shop?
Ice cream doesn’t need toppings. But the full sundae experience isn’t the same without them. BOP insurance adds that little extra something on the top to turn basic coverage into something far more comprehensive. By bundling different types of commercial insurance coverage under one roof, it helps minimize the number of policies you need to juggle.
We generally recommend BOP insurance for ice cream parlors and scoop shops because it’s customizable and packages three broad coverage types:
General liability insurance
A general liability (GL) policy will generally cover:
- Third-party bodily injury
- Third-party property damage
- Personal and advertising injury
- Claims due to defective products
GL insurance isn’t generally a legal requirement, depending on the state you’re located in. It is, however, a very popular type of policy for small businesses, and it’s popular for a reason. It covers a wide variety of common commercial claims and is a sensible place to start for small businesses needing insurance.
Commercial property insurance
Commercial property insurance generally can cover damage to assets in the event of the following:
- Fire
- Wind, storms, and snow
- Vehicle-related damage to the business’s property
- Sprinkler leakage
- Vandalism or theft on the premises
- Building collapse
Commercial property insurance for small businesses is particularly useful when valuable physical property is at stake. If you own your ice cream shop location, having commercial property coverage can be a great way to protect the store’s premises. If you rent your shop, your landlord may even require you to carry it.
While commercial property insurance typically covers losses following certain natural disasters, it does not apply to damage from floods or earthquakes. Also, damage to your own commercial vehicles and cyber claims are not covered, either.
Business interruption insurance
If your ice cream shop is forced to close due to theft, arson, or certain natural disasters, for example, business interruption insurance (sometimes, also called ‘business income insurance’), may be able to help you cover some expenses. These expenses generally can include:
- Temporary relocation
- Payroll
- Operational expenses
- Closure due to damage to a nearby building or business
- Training costs on replacement equipment
Business interruption doesn’t cover losses due to floods, earthquakes, and public health events. However, it could be a lifeline for you and your employees if your ice cream shop is forced to close as a result of certain unforeseen situations.
Optional add-ons and customizations
BOP insurance for ice cream shops can be customized to fit your business’s specific needs, as well as your own preferences. These optional add-ons can include:
- Spoiled merchandise
- Equipment breakdown
- Forgery
- Employee theft
Ice cream shops rely on costly equipment and high-quality ingredients to deliver the best food and desserts possible. An industrial freezer malfunction could cause you to lose large quantities of frozen product, and potentially slow or shut down your business before replacements and/or repairs are dealt with. While these add-ons aren’t required, they may help prevent you from paying for common ice cream parlor problems out of pocket.
Ice Cream Shop BOP Insurance Cost
When deciding to open an ice cream shop, one of the first things to consider is what the expenses will be. In terms of insurance costs, they can be difficult to predict without getting the full picture. As with most types of insurance, the cost of insurance coverage for an ice cream shop will depend on a variety of factors.
- The coverage limits you select
- The business’s location
- The size and age of the shop
- The value of your property
- Previous claims associated with the shop
- Any optional coverage you decide to add
The best way to figure out how much BOP insurance would cost for your ice cream business is to get a quote. In certain cases, small restaurants such as ice cream shops may be able to find coverage for as low as $575 a year, with the option to make interest-free monthly payments.
What Does Ice Cream Shop Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Ice Cream Shop Insurance Coverage Questions
BOP insurance for cafeé and coffee shops bundles together different policies, so it often can be less expensive than buying individual policies separately.
As with most types of insurance, the cost of cafe insurance will depend on a number of factors, such as:
- Your type of business
- The services you provide
- Where your business is located
- The number of employees you have
- Your estimated revenue
- And more
If you’re still unsure, getting an ice cream shop insurance quote or speaking with an agent could help you get a better idea of how much a business owner’s policy will cost you.
If you’re thinking of buying insurance for your ice cream shop, we want to make it easier for you.
We think it’s helpful to have an idea about your annual revenue and payroll estimates as well as information about any previous insurance before you get started.
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your equipment and tools, we can help find the coverage you need for your restaurant.
We provide customized coverage options and quotes from top-rated small business insurers – all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
Start your quote
Answer a few questions about
your business in one form.
Review quotes
Compare quotes side by side from top-rated insurers and customize your coverage.
Get protected in minutes
Choose your policy, and get instant proof of insurance – all online, and all within 10 minutes.
Written by
Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
18
top-rated carriers
We’ve Got More Helpful Information
9-minute read
A General Liability Insurance Guide for Small Business
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
Page last updated: