Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Get instant online Quick Quote premium indication in about 3 minutes.
• Request phone call from experienced insurance agent to finalize your formal proposal.
• Accept proposal and your coverage confirmation may be emailed in minutes.

Cheese shops sell a variety of cheeses plus crackers, spreads and other snacks to eating establishments and individuals. Ethnic and gourmet cheeses, such as Brie, Gouda, goat cheese, bleu cheese, Camembert, Parmesan, mozzarella or Gorgonzola, are often available. Products may be locally purchased or imported and are usually ordered directly from dairies or cheese processors. Shipments may arrive daily and cheeses are stored inside refrigeration units.

General Liability Insurance for Cheese Shops – Cheese shops that import cheese and related products from other countries will be at higher risk of product liability. Cheese shops should maintain the store premises, both inside and out. Floor coverings should be defect free. Any defects or spills on the floor surface that cannot be immediately corrected should be posted with warning signage that specifically describes the hazard. Store fixtures and displays should be secure to avoid tip over hazards. Glass counters and other displays should be free of any sharp edges or points as well as any other defects that could result in injury. Refrigeration equipment should be in proper working order to maintain freshness of the cheese products. Cheeses and related foods should be rotated by date in order to prevent spoilage.

Workers’ Compensation Insurance for Cheese Shops – Employees of cheese shops may slip and fall if floors are not properly maintained. Cheese shop employees may be cut from using knives and related devices to slice cheese. Adequate first aid equipment should be provided and should be easily accessible to employees.

Business Auto Insurance for Cheese Shops – Employee travel should normally be limited to daily bank deposits and occasional errands. Employee used vehicles will result in a non-owned exposure to the cheese shop. Risks can be controlled by running MVRs for any driver and requiring those employees to carry sufficient Personal Automobile Liability insurance.

Property Insurance for Cheese Shops – If a fire occurs at a cheese shop, the cheeses and related items will be at risk of contamination and could result in a total loss. Smoke detectors and fire extinguishing equipment should be installed. Refrigerated items are susceptible to spoilage due to power loss and backup procedures should be in place. Refrigeration equipment should be regularly inspected to ensure proper working order and older equipment should be replaced.

Crime Insurance for Cheese Shops – Cash should be removed periodically from the registers to limit the amount of cash in the registers at cheese shops. Incoming checks should be stamped “for deposit only”. The excess cash and checks should be placed in a safe and bank deposits should be made everyday. Deposits should be made at different times each day to reduce the risk of courier robbery.