Deli and Sandwich Shop Insurance

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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.

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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.

  • 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.

  • 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.

  • 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.

  • 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.

  • Injuries caused by intoxicated customers
  • Property damage caused by intoxicated customers
  • Legal defense costs
Cyber insurance icon

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
Looking for different coverage? See more policies.

How much does insurance cost for delis and sandwich shops?

Food and beverage business owner calculating insurance 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
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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.

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