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.
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
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.
- Customer bodily injuries
- Damaged business property
- Business interruption incidents
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.
- Employee medical expenses
- Disability benefits
- Legal costs
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.
- Slip-and-fall accidents
- Damaged customer property
- Libel or slander lawsuits
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.
- Medical costs after car accidents
- Property damage due to car accidents
- Vehicle damage from theft and vandalism
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.
- Injuries caused by intoxicated customers
- Property damage caused by intoxicated customers
- Legal defense costs
Cyber insurance
This policy helps delis recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.
- Data breach notification costs
- Fraud monitoring services
- Cyber extortion payments
How much does insurance cost for delis and sandwich shops?
A small deli or sandwich shop will pay less for commercial insurance than a larger company.
Average deli and sandwich shop insurance costs include:
- General liability: $149 per month
- Workers' comp: $100 per month
- Commercial auto: $222 per month
Factors that affect premiums include:
- Products and services offered
- Deli/sandwich shop property and equipment, including refrigerators and freezers
- Business income
- Business location
- Business operations
- Types of insurance purchased
- Policy limits and deductibles
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 (COI) with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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.
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.