Business Insurance for Delis and Sandwich Shops

Compare multiple quotes from top carriers with one application.
Delicatessen
One turkey and avocado sandwich.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Why do delis and sandwich shops need insurance?

Unexpected events can affect any deli or sandwich shop. A customer injury could lead to a lawsuit, or equipment breakdowns could destroy your inventory. Finding the right insurance will protect you from unexpected expenses and incidents that could force your small business to close.

Worker holding packaged meat in front of a deli counter.
Vertical bar chart underneath dollar sign

Find affordable coverage

Delis and sandwich shops can save money on insurance by comparing quotes from top providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.

What types of insurance do delis and sandwich shops need?

These policies cover the common risks of delis and sandwich shops.

Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance under one plan. A BOP is one of the most popular and cost-effective options for a deli or sandwich shop.

BEST FOR
  • Customer bodily injuries
  • Damaged business property
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for delis that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Legal costs
General liability insurance icon

General liability insurance

This policy covers common risks at your deli or sandwich shop, including customer injuries, customer property damage, and advertising injuries. General liability coverage is required for most commercial leases.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers the cost of car accidents involving deli delivery vehicles. It also covers vehicle damage caused by theft and vandalism.

BEST FOR
  • Medical costs after car accidents
  • Property damage due to car accidents
  • Vehicle damage from theft and vandalism
Liquor liability insurance icon

Liquor liability insurance

This policy covers legal fees, property damage, and medical costs if alcohol is served or sold at a deli to a visibly intoxicated person who then harms others.

BEST FOR
  • Injuries caused by intoxicated customers
  • Property damage caused by intoxicated customers
  • Legal defense costs
Looking for different coverage? See more policies.

How much does insurance cost for delis and sandwich shops?

Owner of a food and beverage business calculating costs.

A small deli or sandwich shop will pay less for commercial insurance than a larger company.

Factors that affect premiums include:

  • Products and services offered
  • Deli/sandwich shop property and equipment, including refrigerators and freezers
  • Business income
  • Business operations
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get deli or sandwich shop insurance?

It's easy to get deli or sandwich shop insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your deli or sandwich shop, whether you work independently or hire employees.

What our customers are saying
Carousel prev arrow
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Carousel next arrow
Insureon customer reviews on Feefo
Compare deli insurance quotes
Save money by comparing insurance quotes from multiple carriers.
Delicatessen