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Safety and Loss Control
Get the Scoop on Our Insurance Solutions for Frozen Dessert Shops
Retail ice cream and frozen dessert shops have their own set of insurance concerns. Although you’re a unique business, we’ve put together a list of insurance questions other shop owners have asked us. At Nationwide, we know how to protect your frozen dessert shop.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 bills? |
Review our Limited Service Food Safety Bulletin Ask your agent if this coverage is automatically built in to your policy. Review our Disaster Planning Guide for Small Businesses | Business Income Coverage |
| What if my shop inadvertently sells contaminated food or drinks and my customers get sick? |
Review Proper Food
Handling and Storage Safety Bulletin Review Personal Hygiene for Restaurant Employees Safety Bulletin Review Restaurant Customer Complaint Guidelines | Food Contamination Coverage |
| What if one of my employees steals money or product from the business? |
Review Employee Theft
Safety Bulletin Review Hiring Practices/Employee Selection Safety Bulletin Follow proper hiring procedures Follow proper accounting practices and audit records Employ electronic surveillance measures | Employee Dishonesty Coverage |
| What if a car hits our building? | Build proper barriers in parking areas | Commercial Property Coverage |
| What if my landscaper’s mower hits a rock and damages a customer’s car? |
Review Establishing
Subcontractor Liability Controls Understand The Importance of Certificates of Insurance | General Liability Coverage |
| What if my shop is robbed? |
Review Security
Action Plan for Restaurants Employ electronic surveillance measures | Crime Coverage |
| What if my drains back up, causing damage? |
Drain preventative maintenance Establish an emergency maintenance contract | Backup of Sewer or Drain Coverage |
| What if an employee has a repetitive motion injury from scooping ice cream all day? |
Review our Ergonomic
Written Program Elements Review our Ergonomics in Action Safety Bulletin | Workers Compensation |
| What if a storm damages the store’s sign? | Purchase signs that are built to withstand local weather conditions |
Outdoor Sign Coverage General Liability Coverage |
| What if a power surge damages my computers and I lose important records? | Keep backup copies of your files in a fireproof safe or offsite Create backups and store them offsite Keep records in a fireproof safe | Electronic Data Processing Coverage |
| What if the power goes out and all of my product melts and I have to close for a period of time? | Purchase a backup generator |
Spoilage Coverage Utility Services |
| What if a customer chips a tooth, has an allergic reaction or slips and falls at my store? |
Review Food Allergens
Safety Bulletin Review Preventing Slips, Trips and Falls Safety Bulletin Place appropriate customer education signs throughout the store | General Liability Coverage |
Did You Know?
The average American eats ice cream 27 times a year.
– International Dairy Foods Association
Want to know more?
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a Nationwide Insurance® agent
Did You Know?
The fastest growing segment of ice cream eaters is 65 years old and
older.
– International Dairy Foods Association
Want to know more?
Find
a Nationwide Insurance® agent
