Deli / Sandwich Shop Insurance
Coverage for delis and sandwich shops serving fresh-prepared food across a counter to a steady flow of walk-in customers.
What this coverage is intended to address
- ✓Customer slip-and-fall bodily injury that may arise on a wet floor or in the queue area
- ✓Product liability for a prepared sandwich or salad alleged to have caused a food-borne illness
- ✓Property damage to a customer's belongings that may occur on the premises
Coverage products commonly considered
Most deli / sandwich shop operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A customer slips on a freshly mopped floor near the counter and alleges an injury — general liability is intended to respond in the event of a covered claim.
- A patron alleges a deli sandwich caused a food-borne illness. Product liability is generally intended to respond to allegations of this nature, subject to the policy form.
Frequently asked questions
Why does a deli need product liability?
Because you prepare and serve ready-to-eat food, an alleged food-borne illness is a real exposure. Product liability is generally intended to respond to such covered claims, separate from premises slip-and-fall coverage.
Does this include liquor liability?
Liquor liability is only relevant if you serve or sell alcohol. If your deli does, disclose it on the application so the carrier can address that exposure; otherwise it generally does not apply.
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