How does cream parlour insurance work?
Protection for your business no matter the season
As an ice cream parlour your business helps put smiles on people’s faces with your almost universally loved food; ice cream. But to ensure you can keep those customers smiles coming you’ll want to ensure you have the right cover in place for your business. You likely depend on your equipment and your employees to carry out your daily duties and these are all areas where ice cream parlour insurance can help. Consider what you might do if your ice cream equipment was to break down or an employee suffers an accident at work. No doubt these are the sorts of problems that we all wish wouldn’t occur, but while we can’t stop the bad from happening we can cover you, ensuring your business doesn’t suffer financially. From damage or theft of your utensils, damage to your kitchens equipment, or an expensive claim if an employee or member of the public is injured or worse due to your work we can tailor a policy to cover you. We help you to manage these risks and keep your business safe with a tailored Ice Cream Parlour business insurance policy.
At The Insurance Octopus, our comprehensive and tailored business insurance policies are designed to be flexible, allowing you create a tailored insurance policy just the way you want it and ensuring that all of the essential cover you’ll need is in one, simple business insurance policy.
What your ice cream parlour insurance policy includes
Public & Product Liability insurance
Public Liability insurance is available for ice cream shops with various levels of cover ranging from £1m, £2m, and £5m. Public Liability insurance is important as it helps to protect you if a member of the public gets hurt or injured whilst on your premises. With product liability providing protection should your goods (ice-cream) harm any of your customers – think food poisoning or food contamination type claims.
Employer’s liability insurance is a legal obligation to have if your shop employs permanent or temporary members of staff. Cover is available at a standard level of £10m.
Contents and Stock cover
Contents and Stock cover can protect against the loss or theft of stock, as well as provide protection for your fixtures and fittings, kitchen equipment, computers and electronic business equipment. The cover helps to enable you to replace all the above in the event of a claim. We can also provide cover for deterioration of stock, should your refrigeration units fail.
Business Interruption, Cash on Premises, and Goods in Transit
Business Interruption, Cash on Premises, and Goods in Transit are further add-ons that can be increased or decreased as required making sure your insurance is just what you need.
Why you need ice cream parlour insurance
As an ice cream shop owner, you are at risk from many eventualities, from malicious damage to theft of stock by burglary or theft of monies by an employee. All of these risks factors need to be considered when looking for a comprehensive insurance policy that covers your business. To help ensure that your business is highly profitable you need to protect it and yourself from financial loss.
Insurance in the form of Ice Cream Parlour Insurance can also protect you against compensation claims and legal expenses. Even if you win a case, legal fees can be considerable so it is important for your financial success that you are covered by public & employers liability insurance.
Choosing the right cover
Choosing, the right insurance package that suits your business and any additional items you may require – for example public and employers liability insurance or stock and contents insurance – is important, which is why The Insurance Octopus will endeavour to put a policy together for you quickly and with ease.
Details of cover
In most cases, we can provide you with your business insurance and documents on the same day (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit. Speak to one of our shop or retail insurance specialists for more information.
Why choose us to insure your ice cream parlour?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.