Which blessing should be recited over chocolate covered fruits and nuts?
The general law of Ikkur and Tafel: Whenever one eats two foods together then one recites a blessing on the main food [i.e. Ikkur] and with it he exempts the secondary food [i. e. the Tafel]. This applies even if the foods are not mixed together but are simply being eaten together. If one’s main intent is on both foods, and they were not mixed into each other or cooked together, then one is to say a blessing on both foods even if one is the majority ingredient over the other.
The debate regarding chocolate covered fruits and nuts: The Poskim debate as to what is considered the main food in chocolate covered fruits and nuts, and thereby debate the blessing that should be said over them. Some Poskim rule that the main intent is on the fruit/nut and therefore its blessing is always Haeitz or Hadama [depending on the nut/fruit]. Other Poskim, however, rule that the main food is the chocolate and therefore its blessing is always Shehakol. Other Poskim rule that both the chocolate and fruit/nut are considered the main food, and therefore one is to say a blessing on both. Other Poskim rule that one is to follow whichever of the two are the majority ingredient. This latter approach, however, is clear negated by Admur.
The final suggestive ruling: When eating a chocolate covered nut or fruit, then if one’s main intent of eating is on the fruit or nut [such as if it has a very thin layer of chocolate], then he states the blessing of the filling [Haeitz/Hadama] and exempts with it the blessing of the chocolate. If, however, one’s main intent is on the chocolate [such as if it has a very thick layer of chocolate, or if he eats the nut/fruit simply to avoid Bal Tashchis], then its blessing is Shehakol. If one’s main intent is on both the chocolate and the fruit/nut, then one recites two blessings; Shehakol on the chocolate and after eating some of the chocolate, he recites a Haeitz/Hadama on the fruit/nut. When reciting a Shehakol on the chocolate he is to explicitly have in mind to not exempt the fruit/nut that is inside. If, however, one has other Haeitz/Hadama food available, then he is to first say the blessing of Haeitz/Hadama, having in mind to exempt the filling of the chocolate, and then say the blessing on the chocolate.
If one is in doubt as to his main intent: If one is unsure as to what is his main intent, then he has three options available: 1) Separate the chocolate from the filling and first say a blessing on the filling and then a Shehakol on the chocolate. 2) Say a blessing of Shehakol/Haietz/Hadama on other foods and have in mind to include it. 3) Say Shehakol on the chocolate and have in mind to include the fruit/nut.
If one first sucks the chocolate and then eats the nut/fruit: If one plans to first suck the chocolate of the fruit/nut and then eat the fruit/nut afterwards, then some Poskim rule that the blessings nevertheless remain as stated above, and hence if his main intent is on the fruit/nut then only a Haeitz/Hadama is recited.
Chocolate bar with rice or nuts inside: Chocolate bars which contain rice or nut pieces inside are Shehakol according to all.
 See Devar Yehoshua 2:115; Vezos Habracha 11:1 p. 96; Piskeiy Teshuvos 204:21
 Admur Seder 3:1 “If one is the Ikkur and the second is secondary to it, one says the blessing on the Ikkur and exempts the secondary.”; Luach 4:1; Admur 212:1; Michaber 212:1; Rambam Brachos 3:5; Mishneh Brachos 44a
 Admur Seder 3:8 “This applies even if the foods are not mixed together, but one simply is eating them together.”; Luach 4:6; Admur ibid; Michaber ibid; Rambam Brachos 3:5
 Admur Seder 7:19 “If the foods were not cooked but are eaten together..then if one’s main intent is on both foods, then we do not follow the majority, and rather one says a blessing over both foods.”; Luach 10:19; Admur 202:13; Admur 202:23 “Here that the nut is not mixed.. we only follow majority if they were cooked together”; Admur 204:17 “If they were not cooked together and they were mixed to be eaten together then we do not follow the majority and rather one needs to recite a blessing on both”; M”A 168:30 [This is unlike the ruling in Admur Seder 3:1 and the Poskim in previous footnote, who rule that whenever one has two foods that are an Ikkur we follow the majority food, as in truth, that ruling refers to a case that the foods were cooked together, or were mixed together. If, however, the foods were not cooked together, and are not mixed together in a way that they are not individually recognizable, which is the case here, then we do not follow the majority. See Admur 202:23; Glosses of Rav Alyashvili on Seder Birchas Hanehnin 3:1 footnote 8]
 Elya Raba 204:17; Kneses Hagedola 204:3; P”M 204 A”A 25, brought in M”B 204:51, that sugar coated nuts are Haeitz even if there is a lot more sugar than fruit; M”B 168:45 that one only says Haeitz on jam covered cherries; Shevet Halevi 7:27-5 regarding chocolate coated almonds; So rule regarding nuts which are fried in honey to only say the blessing of Haietz: Admur 202:18-19, and Tosafus, Rabbeinu Yona, Rosh, Tur, Beis Yosef, Bach 202, Taz 202:11, M”B 202:67
 Ben Ish Chaiy Pinchas 15 that so is the custom of Bagdad to only say Shehakol on the sugar coating; Beir Moshe 1:7 rules that the chocolate is always the Ikkur and main intent, and hence one is to always say the blessing of Shehakol; Or Letziyon 1:14-4 regarding if it has a thick layer of chocolate; See Michaber 168:8 and 212:2 and M”A 168:23 that one says a Shehakol when eating Jam with thin crackers as the jam is the Ikkur and the crackers are only used so one does not dirty his hands
 Yosef Ometz Kadmon p. 51; Ben Ish Chaiy Pinchas 15 that his father would separate the sugar from the almonds and say a blessing on both, a Haietz on the almonds, and a Shehakol on the sugar and he concludes that so should be followed; Igros Moshe 3:31 “His intent is to also eat the fruit…and certainly his intent is also individually on the chocolate, and therefore he must say the blessing on both.”; See M”A 168:5 and Machatzis Hashekel ibid that one says two blessings on jam covered cherries; Admur 204:17 that one says a blessing on the jam and the fruit if they were not cooked together.
 Devar Yehoshua ibid; Vezos Habracha 11:4
 See Admur ibid in previous footnotes!
 Piskeiy Teshuvos ibid footnote 87; See Or Letziyon 1:14-4 that when it is a thin layer that is when there is room for doubt
 Or Letziyon 1:14-4; Piskeiy Teshuvos ibid
 Shevet Halevi 7:27-5
 Igros Moshe 3:31
 Igros Moshe 3:31
 Ben Ish Chaiy Pinchas 15 that so was his father’s custom; Piskeiy Teshuvos ibid
 Or Letziyon 1:14-4; Devar Yehoshua ibid
 Shevet Halevi 7:27-5
 Piskeiy Teshuvos ibid footnote 90