Your One-Stop Resource for Frozen Desserts Shop Insurance
Ice cream is quite possibly the most loved comfort food. On average, Americans enjoy a bowl or a scoop of a frozen dessert more than twice a month. And most of the time, it’s at a frozen dessert shop away from home – just like yours.
Whether you sell hand-dipped ice cream or feature gelatos and sorbets, the Lambert Agency understands your unique insurance needs. Let us partner with you and take some worries off your plate. We’ve been providing professional, personal service for more than 80 years. And since insurance for ice cream shops is one of our specialties, we can work with you to select a plan that fits your business and your budget.
We will work with you to tailor a policy that fits your retail frozen dessert business.
To get you started, here are some common concerns most frozen dessert shops have, along with some ways we can help and some tools you can use to help yourself. When you’re ready to speak to an agent, call us at (205) 879-7283.
Why the Lambert Agency Business Insurance for Your Frozen Dessert Shop?
You probably have questions about the best ways to protect your frozen dessert shop. Here are a few of the most commonly asked questions related to business insurance for your frozen dessert shop. Contact the Lambert Agency to help answer additional questions.
Q: How does the Lambert Agency understand that frozen dessert shops are different from other businesses?
A: Yes, you sell frozen desserts but what you really serve are smiles. And you have many dependencies – from freezers to your staff – that make those smiles possible.
We won’t treat you like any other restaurant. The Lambert Agency has the products and knowledge to tailor a policy to keep the cold realities of unforeseen problems from getting in the way of your business
Q: What specific coverages do frozen dessert shops need?
A: Frozen dessert shops offices need:
- Property Coverage
- Spoilage Coverage
- Utility Services Coverage
- Equipment Breakdown Coverage
- General Liability Coverage
- Medical Payments Coverage
- Food Contamination Coverage
- Business Auto Coverage
- Business Umbrella Coverage
Q: Does the Lambert Agency offer these coverages?
A: Yes.
Q: What type of coverage is often overlooked in the beverage shop industry?
A: Equipment Breakdown coverage – Frozen dessert shops typically have expensive equipment such as freezers and mixers. If they break down, replacement can be costly. Most insurance companies automatically include this coverage but some require that it is separately added. Make sure you ask your agent about this coverage.
Flood insurance – The Lambert Agency does not offer flood insurance, but your agent can connect you to the National Flood Insurance Program, which is a government-sponsored insurance that offers up to $500,000 in coverage.
Ordinance or Law – This insurance can protect you if your building is ordered to be torn down and rebuilt to code after a loss. Many times, extra expenses are involved that cannot be accounted for when your building is valued. This coverage will not only pay for the damage to your existing building, but it will also pay for the undamaged portion that is to be torn down, the demolition costs and the removal of the debris.
Q: What is umbrella insurance?
A: It’s a way to add higher limits to your existing insurance. For example, if your current liability policy covers a $1 million lawsuit and you are successfully sued for $2 million, umbrella insurance can cover the difference. Best of all, we can provide this excess liability coverage over your business vehicles as well as your business liability.
Q: Does the Lambert Agency offer safety tips and services?
A: Yes, we offer free safety bulletins, online safety training and an online risk assessment tool.
Q: I am considering adding sandwiches and salads to the menu. Can the Lambert Agency still meet my insurance needs?
A: Yes, your coverage needs may change and we can offer the solution.
Q: Does the Lambert Agency offer coverage for my company vehicles or coverage if my employees drive their own vehicle doing errands for my business?
A: Yes. We offer Business Auto Coverage and Non-Owned Auto coverage.
Q: Can the Lambert Agency meet all of my insurance and financial needs?
A: Yes. We offer a full range of personal and business insurance products. We also offer financial services, mortgage and banking services. This means we can cover your home, personal autos, business vehicles, workers compensation, life insurance, business property and liability, personal and commercial umbrella, mortgages, loans and investments.
Q: If I have several locations, do I need to have several policies?
A: No, the Lambert Agency can all of your locations on one policy, saving you money.
Q: How is the Lambert Agency rated and what does this rating mean?
A: Nationwide is rated A+ (Superior) by A:M. Best, an independent insurance benchmarking group. The superior rating is assigned to companies that have a superior ability to meet their ongoing obligations to policyholders.
Q: What can you do to help me as my business changes?
A: We offer periodic insurance reviews of your business and your coverage. These reviews are triggered by opening a new location, adding on to existing space, starting to offer higher value food, changes in the industry from court rulings, when a claim has been made and at renewal time. All of these moments have insurance coverage implications, and we want to make sure you are adequately protected.