Business Insurance for Donut Shops

When it comes to insurance for your donut shop business, you want your coverage to delight. With a PolicySweet® Business Owners Policy, we’ll make sure your coverage is as sweet as the donuts you bake. From General Liability to Workers’ Compensation, each donut shop insurance policy is custom made with your needs in mind.

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What Does Donut Shop Insurance Cover?

Without business insurance your donut shop could get stuck with paying out-of-pocket for claims and lawsuits. Business insurance is designed to help protect businesses from common risks they could face. Some coverages include:

  • Business Owners Policy
    • General Liability
    • Property Insurance
    • Cyber Insurance
  • Workers’ Compensation
  • HomeHQSM

Business Owners Policy

A Business Owners Policy, also known as a BOP, bundles general liability coverage with commercial property insurance. Our BOP also includes cyber-risk insurance that provides business owners with an extra layer of coverage to help protect their business from hackers.

General Liability Insurance

General liability could help protect your business if it is held responsible for an injury to someone other than an employee or for damaging the property of a third-party.


Property Insurance

What if your donut shop equipment was damaged and you had to close while replacements arrived or until repairs were completed? Business property coverage could cover your repair and replacement costs as well as your lost income for a period of time.


Cyber Insurance

Data breaches and cyber crimes involving your business could result in legal fees. Cyber coverage could help take care of these expenses as well as cover costs to hire professionals to determine the cause to help prevent another attack from occurring.


Workers’ Compensation

If an employee becomes injured or ill on the job, Workers’ Compensation can help pay for the workers’ wages and medical expenses. Without this type of coverage, a business could be responsible for expenses out of pocket.


HomeHQ can provide coverage for business liabilities that a homeowners or renters policy typically does not cover. It includes general liability insurance along with business property and inventory insurance. If your donut shop operates from a kiosk or cart, a HomeHQ policy could help protect your business.

Donut Shop Coverage by State

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