Business Insurance for Delis and Sandwich Shops

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Delicatessen

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Save money by comparing insurance quotes for delis and sandwich shops

Finding the right insurance will protect you and your deli from unexpected expenses and incidents that could force your business to close.

Worker holding packaged meat in front of a deli counter.

One application, multiple quotes

Insureon helps deli and sandwich shop owners compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do delis and sandwich shops need?

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

Business owner’s policy

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

BEST FOR

Customer 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.

BEST FOR

Employee medical expenses
Missed wages
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. It’s required for most commercial leases.

BEST FOR

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.

BEST FOR

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.

BEST FOR

Injuries caused by intoxicated customers
Property damage caused by intoxicated customers
Legal defense costs

Looking for different coverage? See more policies.

Why do delis need insurance?

Unexpected events can affect any delicatessen or sandwich shop. A customer injury could lead to a lawsuit, or a refrigerator malfunction could destroy your inventory. Rather than gamble that it won’t happen to you, it’s better to gain protection against legal fees and other expenses that could force your deli to close.

How much does insurance cost for delicatessens and sandwich shops?

Owner of a food and beverage business calculating costs.

Several factors will have an impact on insurance costs, including:

Deli equipment and property
Services offered by your deli
Revenue
Location
Number of employees

View Costs

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