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How much does insurance cost for delis?

The cost of deli insurance depends on the policies you choose, the unique risks your deli faces, the value of your business equipment, and several key operations factors. Cost estimates are sourced from policies purchased by Insureon customers.
Business owner’s policy icon

Business owner’s policy costs for delis

Deli owners typically pay about $100 per month for a business owner’s policy, or a median annual premium of $1,210.

A business owner’s policy bundles general liability insurance with property insurance, usually at a discounted rate. Pricing is determined by your company’s location, operations, and value of business property. Delis with high-value equipment tend to pay higher premiums.

Median cost per year: $1,210
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn more about business owner’s policy.

Workers’ compensation insurance icon

Workers’ compensation costs for delis

The median cost of workers’ compensation for a deli is about $95 per month, or $1,155 annually. The cost of a policy varies significantly depending on the state and your business operations.

Workers’ compensation insurance is required in almost every state for delis with employees. This coverage helps pay medical fees and lost wages for employees who are injured on the job. Most policies include employer’s liability insurance, which protects deli owners against lawsuits related to workplace injuries.

Median cost per year: $1,155
Policy limit: $100,000 per disease / accident

Learn more about workers’ compensation insurance.

Liquor liability insurance icon

Liquor liability insurance costs for delis

Liquor liability insurance provides crucial coverage for businesses that serve alcohol. Though Insureon does not have specific data for delis, the median premium of liquor liability insurance for restaurants is about $45 per month, or $545 annually.

This policy protects businesses that serve alcohol from liability for the actions of intoxicated customers. In some jurisdictions, your deli might need liquor liability insurance in order to obtain a liquor license.

Median cost per year: $545
Generic policy limit: $1 million

Learn more about liquor liability insurance.

General liability insurance icon

General liability insurance costs for delis

Delis pay a median premium of about $95 per month, or $1,130 annually, for general liability insurance. This policy protects delis against customer injuries and customer property damage, along with advertising injuries.

Insureon’s licensed agents typically recommend purchasing a business owner’s policy, which bundles general liability insurance with commercial property insurance at a discounted rate. It protects your own business property along with covering common business risks.

Median cost per year: $1,130
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn more about general liability insurance.

Get free quotes and compare policies with Insureon

Insureon’s licensed agents work with leading U.S. carriers to find coverage that fits your deli. Apply today to compare multiple quotes with one free online application. If you decide to purchase a policy, you’ll work with an account manager who specializes in the unique business risks of delis.

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Topics
Delis
Food & beverage