A busy deli is always great for business, but as a business owner, you probably can’t help but think about the possible liabilities. Whether you’re slicing meat, serving sandwiches, or selling product in bulk, delis face a variety of risks. In this article, you can find information about some of the common coverages delis may want, how to get an insurance quote, and other insurance considerations.

Insurance Quotes for Delis

If you are looking to get an insurance quote for your deli, the process can be as simple. First, you can begin the process by filling out this form. From there, a member of our team will connect with you to get more information regarding your business and the types of insurance plans you are interested in. If you prefer to talk to one of our local insurance professionals, you can call one of our offices here.

Commercial Coverages for Delis

There are a number of risks that a deli may have to contend with: a customer slipping and falling at your place of business; a cyberattack from a bad actor; or an employee cutting their finger while working, just to name a few. You should take into consideration the various risks and liabilities faced by your deli when you decide what insurance coverages you want to purchase. Some types of insurance that you may want to consider include, but are not limited to, the following.

General Liability Insurance

General liability insurance can help to protect your deli from certain accidents for which you are legally liable. For example, general liability policies generally apply to claims regarding bodily injury or property damage that your business negligently causes to third parties, such as a customer slipping in falling at your location of business.

Product Recall and Product Liability

As a deli, product contamination or spoilage is a real concern.  Product liability coverage may be available to help cover costs associated with customers who are injured or become ill as a result of ingesting a defective product. Some delis may also stock their product in other stores, making product recall coverage an important coverage to consider. Some of the items that recall insurance can potentially help with are:

• Distribution costs
• Storage costs
• Disposal costs
• Replacement costs

Cyber Coverage

Delis and sandwich shops, like many other businesses, rely heavily on technology for monetary transactions. Customers regularly pay for goods and services with debit and credit cards rather than cash, and their data can be vulnerable to a cyberattack from a bad actor. If your customers’ data is compromised as a result of a covered data breach, cyber insurance can help to mitigate some of the associated costs and expenses that your company may be liable for.  

Commercial Property for Delis

Commercial property insurance can help protect against some types of physical damage to your building, even if you lease the space your deli operates in. The following are some of the assets commercial property may be able to help insure:

• Your building
• The equipment and tools inside your building such as refrigerators, slicers, cases, ovens, and more
• Signage outdoors, banners, and other materials
• Some landscaping components

Workers’ Comp for Your Employees

If your deli has employees, then workers’ comp is a coverage your seriously ought to consider as the majority of states legally require businesses to have it for their employees. Workers’ compensation insurance can help cover medical bills for employees who are injured or become ill as a result of work-related events.

What Could Insurance Cost for Your Deli?

At Cross Insurance, we will work with you to help you identify what types of policies you may want to consider for your deli. Just as each of the sandwiches you prepare at your deli is different, we know that each business and their needs are different. The following factors can influence the cost of insurance. These may include, but are not limited to:

• What types and amounts of coverage you select.
• The type of services that you provide.
• The location where your business is located.
• The amount of deductible that you select.
• How many employees you have.
• Do you have previous claims?
• What is your business’ income?

Contact Your Local Cross Insurance

Are you shopping for insurance quotes for your deli? We’ve partnered with dozens of the top insurance carriers, giving our clients options. Connect with a local insurance agent to discuss the unique features of your deli and to request a quote today.

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.