Sandwich Shop Insurance for Delis
Safeguard your sandwich shop from expensive accidents with affordable, customizable coverage from Food Liability Insurance Program (FLIP).
Benefits of Sandwich Shop Insurance
Check out the perks of building your deli’s insurance policy with FLIP.
Satisfy Insurance Requirements
Whether you’re signing a lease on a commercial space or need proof of insurance to get a business license, FLIP’s coverage ticks all the boxes.
Shield Against Out-of-Pocket Costs
Don’t let unexpected accidents hurt your bottom line. A custom sandwich shop policy from FLIP can prevent you from footing the bill on your own.
Build Trust With Your Customers
Being insured shows customers you’re financially prepared for the worst-case scenario, boosting your business’s reputation.
What Is Sandwich Shop Insurance for Delis?
Sandwich shop insurance is a type of restaurant insurance that can protect your deli from the financial burden of common claims. It generally combines general liability, product liability, and commercial property insurance, along with other coverages tailored to your shop’s specific risks.
Deli insurance can cover claims like:
- Third-party injuries (injuries your business causes to other people)
- Property damage (including your business property and other people’s property)
- Foodborne illness (or similar claims that your food or beverage products harmed a customer)
- Workplace incidents (including harassment allegations, wrongful termination, or discrimination, as well as work-related injuries and illnesses)
These claims can cost you thousands. Luckily, insurance for sandwich shops helps protect your bottom line from unexpected expenses.
Running a sandwich shop from a food truck, booth, or trailer? You might need food vendor insurance instead! We offer specialty coverage for businesses that don’t operate out of traditional brick-and-mortar delis or shops, so you’re protected wherever you serve customers.
What Kind of Insurance Does a Deli Need?
Deli and sandwich shop insurance policies typically include the same coverages restaurants need: a combination of liability and property insurance. With FLIP, it’s easy to create a customized policy for your sandwich shop that includes common coverages like these.
Coverage | What It Covers | Example Claim |
Injuries and property damage to third parties (other people) caused by your business | A customer slips and falls in your shop and breaks their ankle | |
Claims that your food/beverage made a customer sick or hurt them | A customer claims the sandwich they ate at your shop gave them food poisoning | |
Your legal expenses if someone accuses you of causing financial harm with your advertising | One of your competitors claims you made false or misleading statements about their business in an ad, causing them to lose money | |
Limited property damage coverage for a space you rent | A kitchen grease fire damages the walls and ceiling in the building you rent | |
Commercial property | Damages to your building (if you own it) and its contents | A fire destroys your kitchen equipment, furniture, and inventory |
Employment Practices Liability Insurance (EPLI) | Your legal expenses if an employee accuses you of unfair employment practices, like discrimination, harassment, or wrongful termination | One of your former employees sues you, claiming they faced discrimination and wrongful termination |
State-required benefits for employees who develop a work-related illness or injury | An employee severely burns their hand on your industrial toaster oven and needs medical attention and time off from work | |
Business income interruption | Lost income and operating expenses if you’re forced to close your business temporarily after a covered incident | Your sandwich shop catches fir and you have to close it for three weeks, causing you to lose income while covering rent and expenses |
First- and third-party financial losses caused by a cyberattack (e.g., data breach, phishing, or hacking) | Your point of sale (POS) system is hacked, exposing customer payment information | |
Equipment breakdown | Replacements or repairs to your damaged business equipment due to electrical, mechanical, or operating errors | The walk-in cooler breaks down and causes major food spoilage |
Replacements or repairs to stolen or damaged mobile business equipment if it’s damaged in transit or stored in a temporary location | A thief steals catering equipment from the back of your van while you’re unloading gear at an event |
How Much Does Deli Insurance Cost?
FLIP’s sandwich shop insurance costs $2,500 a year on average, with 78% of our policyholders paying less than $3,000 annually.
The amount you pay for your premium may be lower or higher than this average depending on the following factors:
- Your location
- Your payroll
- Your gross annual revenue
- The services you offer
- Whether you rent or own your location
- If you have a history of filing expensive claims
What Customers Say About FLIP
Here’s what other food and beverage business owners have to say about their experience from over 450 reviews.
Sandwich Shop Insurance Coverage Details
General Liability Aggregate Limit
Starts at $2,000,000
Products-Completed Operations Aggregate Limit
Starts at $2,000,000
Personal and Advertising Injury Limit
Starts at $1,000,000
General Each Occurrence Limit
Starts at $1,000,000
Damage to Premises Rented to You Limit
Starts at $50,000
Liquor Liability Occurrence & Aggregate Limit
Starts at $1,000,000
FAQs About Insurance for Sandwich Shops
Is Sandwich Shop Insurance Required?
Most commercial building landlords require liability insurance for sandwich shops and delis, including specific minimum coverage limits and types of coverage. You may be asked to provide proof of insurance that meets your landlord’s conditions before you can sign a lease.
Can I Customize My Coverage As My Deli Grows?
Yes! With FLIP, it’s easy to update your policy with higher limits and additional coverages to protect your business against new risks. It’s a good idea to reevaluate your coverage needs every year, and your FLIP agent is happy to assist with this.
How Quickly Can I Get Proof of Insurance for My Sandwich Shop?
You can get proof of coverage (aka, your Certificate of Insurance) as soon as you purchase your policy from FLIP. Download it anytime, anywhere from your user dashboard.
How Do I Get Insurance for My Sandwich Shop or Deli?
FLIP makes it easy to get a custom policy for your sandwich shop. Simply follow these steps to insure your business:
- Start your application
- Enter essential information about your business and submit your application
- A licensed agent will reach out to you to review your quote and help you purchase your custom policy