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What types of insurance do delis need?
These policies provide coverage for the most common risks delis 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.
BEST FOR
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Customer injuries
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Damaged business property
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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
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
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Injuries caused by intoxicated customers
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Property damage caused by intoxicated customers
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Legal defense costs
General liability insurance
This policy covers common risks at your deli, including customer injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.
BEST FOR
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Slip-and-fall accidents
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Damaged customer property
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Libel or slander lawsuits
How much does insurance cost for delis?
Several factors will have an impact on insurance costs, including:
Deli equipment and property
Services offered by your deli
Revenue
Location
Number of employees
Why do delis need insurance?
In engineering, one small mistake can cause a project to veer off course, resulting in delays or other serious issues. Other risks include client injuries at your office, or employee injuries at a job site. Engineer liability insurance, ,workers' compensation, and other policies provide the protection engineers need against client lawsuits, medical bills, and more.
