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Safety and Loss Control
Our Solutions and Your Candy Shop Insurance Needs: A Sweet Mix
Your candy shop is as unique as your handmade chocolates, but you probably share a few insurance concerns with other shop owners. Here you’ll find some of the common concerns that businesses like yours have about insurance, along with no-nonsense answers and some ways we can partner to protect your business. When you’re ready to speak to an agent, find one near you using our Professional Locator.
(Please note all coverage may not be available in all states.)
| Your Worries | The Solutions | |
|---|---|---|
| What you think about | How you can help yourself | How Nationwide can help |
| If the shop needs to close for some reason – such as a fire or storm damage – how do I continue to pay my employees and my bills? |
Ask your agent if this coverage is automatically built into your
policy. Review our Disaster Planning Guide for Small Businesses | Business Income Coverage |
| What if my shop inadvertently sells contaminated candy and my customers get sick? |
Review Proper Food
Handling and Storage Safety Bulletin Review Personal Hygiene for Restaurant Employees Safety Bulletin Have a contract in place for pest control | Food Contamination Coverage |
| What if one of my customers slips and falls in my shop? |
Review Preventing Slips,
Trips and Falls Safety Bulletin Clean up spills quickly Mark wet areas with a “wet floor” sign |
Medical Payments Coverage General Liability Coverage |
| What if one of my customers breaks a tooth on a hard piece of candy? |
Employees should be trained in first aid Review our Limited Service Food Safety Bulletin |
Medical Payments Coverage General Liability Coverage |
| What if my refrigeration equipment fails? |
Have access to a backup generator Have maintenance performed on a regular basis |
Equipment Breakdown Coverage Utility Services Coverage Spoilage Coverage |
| What if my oven or equipment breaks down or is damaged? |
Perform regular maintenance
Have a certified electrician review all equipment for proper wiring and grounding |
Equipment Breakdown Coverage Property Coverage |
| What if a customer has an allergic reaction? |
Review Food Allergens
Safety Bulletin Employees should be trained in first aid and CPR Employees should be instructed on menu ingredients |
Medical Payments Coverage General Liability Coverage |
| What if my outdoor sign or landscaping is vandalized or damaged? |
Make sure outdoor lighting is adequate Use signs that are built to withstand local weather conditions |
Outdoor Sign Coverage Outdoor Trees, Shrubs and Lawns Coverage |
| What if one of my employees is burned or injured on the job? |
Review our Workplace Slips and Falls
Safety Bulletin Review Cut and Burn Prevention Make sure all equipment has the proper guarding in place Review Early Return to Work Program |
Workers Compensation Coverage Stop Gap Liability Coverage |
| I have a number of employees and want to steer clear of any issues with discrimination, harassment or wrongful termination. |
Make sure that policies and procedures regarding discrimination and
harassment are outlined in your employee handbook. Review Hiring Practices/Employee Selection | Employment Related Practices Liability Coverage |
| If my oven malfunctions, causing a fire, do I have coverage? |
Utilize surge protection for electrical equipment Make sure all electrical equipment is properly grounded Review Fire Extinguisher Selection and Use Safety Bulletin Be sure your fire extinguishers are serviced on a regular basis Install a monitored fire alarm system |
Building Coverage Business Personal Property Coverage |
| What if my store is broken into after hours and money is stolen? |
Install a monitored burglar alarm system Make frequent bank deposits to limit the amount of money on hand after hours Utilize a drop safe to limit the amount of money in the registers Review Crime Prevention Tips Safety Bulletin |
Money and Securities Coverage Property Coverage |
| What if an employee steals from the register? |
Review Employee Theft
Safety Bulletin Review Hiring Practices/Employee Selection Safety Bulletin Complete background and reference checks during the hiring process Record activities with security cameras and keep back up copies Utilize a drop safe to limit the amount of money in the registers | Employee Dishonesty Coverage |
| I have employees who run business errands. Is my business protected if they are in an accident? |
Work with your agent to obtain frequent driving record checks Review Driver Distraction Safety Bulletin Review Business and Personal Auto Use Safety Bulletin | Non-Owned Automobile Liability Coverage |
| I make the candy I sell – what happens if I need to recall a batch? |
Employees should be properly trained A procedure should be in place for quality checking Review Proper Food Handling and Storage Have a product recall procedure in place to identify where products are, halt sales and begin the recall | Nationwide does not offer Product Recall Coverage, but your Nationwide agent can work with a partner company to offer a solution for this exposure. |
| I have more candy in my store just before holidays like Valentine’s Day. Am I covered during these busy times? | Check with your agent to make sure you have this coverage built into your policy. | Business Personal Property Limit – Seasonal Increase Coverage |
| What if I have a fire in my store and I burn down my landlord’s building or damage a neighboring stores property? |
Make sure your lease addresses tenants’ responsibilities Be sure your fire extinguishers are serviced on a regular basis Install a monitored fire alarm system | Tenants Property Damage Legal Liability |
Did You Know?
The U.S. population consumes more than 7 billion pounds of candy each
year.
– coffeestatistics.com
Want to know more?
Find
a Nationwide Insurance® agent
Did You Know?
Confectionary sales set records during the 2007 Valentine’s Day sales
period.
– coffeestatistics.com
Want to know more?
Find
a Nationwide Insurance® agent
