Candy or Confectionery Stores

What Does GL Code 10352 Cover?

ISO GL class code 10352 covers retail establishments primarily engaged in selling candy, confectionery, and related sweet treats. This classification applies to businesses where customers purchase pre-packaged or bulk candies, chocolates, and other confections for off-premises consumption, encompassing the general liability exposures associated with retail sales and customer foot traffic.

Who Uses This Class Code?

This code is applicable to various retail operations such as traditional candy shops, chocolate boutiques, fudge stores, gourmet confectionery retailers, and specialty sweet shops. It also includes businesses that primarily sell bulk candies, novelty sweets, and seasonal confections directly to consumers.

Common GL Claims for This Class

Common general liability claims for candy stores include customer slip-and-fall incidents due to dropped sweets or wet floors, and product liability claims stemming from allergic reactions or foreign objects found in confectionery items.

Coverage Tips for Code 10352

• Implement robust floor maintenance protocols, especially around display cases and entrances, to prevent slip-and-fall hazards from dropped candies or spills.
• Ensure product liability coverage is adequate for potential claims arising from foodborne illnesses or allergic reactions related to confectionery products sold.
• Consider business personal property coverage for high-value inventory like specialty chocolates and display fixtures, particularly against theft or temperature-related spoilage.
• Maintain accurate records of gross receipts, as this is the common basis for general liability premium calculation, to avoid discrepancies during insurance audits.