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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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 icon

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.
  • Customer 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
  • Missed wages
  • 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. It’s 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
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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