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Business Insurance for Delis and Sandwich Shops
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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.
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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 provide coverage for the most common risks delicatessen and sandwich shops face.
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
Workers’ comp is required in almost every state for delis with employees. It can help cover medical fees and lost wages for work-related injuries and illnesses.
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.
How much does insurance cost for delicatessen and sandwich shops?
Several factors will have an impact on insurance costs, including:
- Deli equipment and property
- Services offered by your deli
- Revenue
- Location
- Number of employees
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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.