Candy Insurance

female business owner protected by candy insurance

Candy Store Insurance That Supports Sweet Success

Your candy business is a labor of love, but have you considered the not-so-nice risks and challenges that might pop up? From issues with inventory to slips and falls, candy insurance solutions can help cover you when unexpected events happen.
 
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female business owner protected by candy insurance

What Is Candy Insurance?

Candy insurance is made up of different types of business insurance coverages to help protect you from the risks that come with owning and operating a candy store. From managing perishable inventory to dealing with customers during busy seasons, insurance can help protect you from:
 
  • Customer injury
  • Personal injury
  • Property damage
  • Stolen equipment

Why Might You Need Candy Insurance?

Candy store insurance is a collection of coverages that provides a safety net for risks and challenges. Without the right coverage, an accident in your store could lead to expensive medical claims and legal fees. Or, a power outage could fry your delicate display equipment, leading to costly repairs.
female small business owner protected by candy store insurance

Why Consider Candy Insurance?

At The Hartford, we know the unique risks that come with running a candy store. That’s why we designed our business insurance solutions to meet the needs of the retail industry. This insurance can help protect:
 
  • Retail candy shop owners
  • Pop-up shop vendors
  • Candy booths at fairs and markets
  • Wholesalers and distributors

What Type of Insurance Do I Need for a Candy Store?

Many candy stores have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your business from everyday risks, like a customer tripping on your store’s rug or a delivery truck damaging a client’s driveway.

A BOP includes: 
 
General liability insurance to help protect your candy store from claims that it caused bodily injury or property damage to others, like if a curious child pulls down an unsecured display rack.
 
Commercial property insurance to help protect your owned or rented building, as well as the tools, equipment, inventory and supplies you use to run your candy store. These can include:
 
  • Candy display cases and shelving units
  • Packaging and labeling materials
  • Refrigerators and freezers
  • Point-of-sale (POS) systems and computers
  • Perishable inventory
  • Banners, posters, signs and business cards
Business income insurance to help replace lost income if you can’t operate your candy store temporarily because of property damage caused by fire, theft or wind.
 
At The Hartford, we know that no two candy shops have the same needs or face the same risks. That’s why we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection, including: 
 
Keep Your Candy Business Running Smoothly
Ensure your operations, inventory and team are protected with comprehensive candy store insurance solutions.
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How Much Does Candy Insurance Cost? 

Candy insurance costs vary because every business is unique. Some of the average costs The Hartford’s small business customers in this industry pay for common types of coverage are:**
 
  • BOP: $1,033 a year, or about $86 a month
  • Stand-alone general liability insurance: $818 a year, or about $68 a month
  • Workers’ compensation insurance: $338 a year, or about $28 a month
It’s important to remember that the cost of your candy insurance may be different than the average. That’s because every business owner has specific needs, and insurers may use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a quote.
female small business owner happy to easily get coi for candy stores

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Covering Your Operations

Whether you're arranging eye-catching displays or crafting a special batch of treats, running a candy store takes consistent creativity and care. As the owner of a candy store, insurance coverage can help you keep things running smoothly. 
Slips and falls were the third most common type of claim that small business owners faced in 2025.1
general liability for candy stores

General Liability Insurance

“A customer slipped near our fudge counter and ended up with a sprained ankle.”
 
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
food spoilage coverage for candy stores

Food Spoilage Coverage

“Our fridge broke down over night, and all the chocolate and specialty candies melted by the morning.”
 
Spoilage insurance helps cover the cost of spoiled or ruined products that need to maintain a certain temperature to stay marketable. This is essential coverage for candy stores, especially those offering chocolates and other highly perishable confections.

Taking Care of Your Team

Your employees are the heart of your candy shop. Whether they’re crafting confections or assisting customers, they help ensure your doors stay open. But accidents can happen, whether it’s a burn from hot sugar or a slip in the parking lot. The right type of insurance, like workers’ comp, can help protect your staff.
Over 2.3 million work-related injury cases opened in 2023. More than 946,000 cases involved days away from work.2
workers compensation for candy stores

Workers’ Compensation Insurance

“One of our employees sprained her wrist while stocking shelves, and she needed a couple of weeks off to recover.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
commercial auto insurance for candy stores

Commercial Auto Insurance

“On the way to a make delivery, my driver backed the store truck into a parked car.”
 
Commercial auto insurance helps protect your employees on the road if they use a company-owned vehicle for work.

Protecting Your Property

From your confection cases to your storefront, your property is essential to your success. For a candy store, insurance is critical to help protect your valuable assets from risks like theft, fire or accidental damage.
Nonresidential building fires caused over $3 billion in losses in 2023 alone.3
commercial property insurance for candy stores

Commercial Property Insurance

“A fire destroyed our shop. It was months before we could reopen.”
 
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
business income insurance for candy stores

Business Income Insurance

“Someone broke into our store and destroyed the mixers and equipment in our kitchen. We couldn’t operate and had to refund deposits for special orders.”
 
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property loss.

Frequently Asked Questions About Candy Insurance

Candy store insurance is made up of different coverages designed to help protect your business from a range of risks you may face every day, which may include property damage, theft, accidents and injuries. For example, if a customer’s child hurts themselves while in your store, general liability insurance can help pay their medical bills and your legal fees if they sue. Or, if your fridge fails and you lose valuable inventory, commercial property insurance can help reimburse you for the loss. You can get other types of coverage to help protect your staff, building and vehicles.
Candy store insurance is important because it helps protect your shop from risks that could cause financial losses and legal issues. Without coverage, you may have to pay out of pocket for costly claims.
Getting candy store insurance from The Hartford is simple. You can start by getting a free quote online in just a few minutes. We’ll help you find the right coverage for your candy store, so you can rest easy knowing you’re better protected.
female business owner happily works after getting candy insurance quote

Protect Your Treats With Candy Insurance

Get the coverage you need to stay focused on delivering delicious experiences.
 
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Related Articles

 
 
Last Updated: February 25, 2026
 
1 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small-Business Claims,” viewed January 2026.
 
2 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023,” viewed April 2025.
 
3 U.S. Fire Administration, "Nonresidential Fire Estimate Summaries,” viewed April 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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