Sandwich Shop Insurance

business owner protected by sandwich shop insurance

Sandwich Shop Insurance Assembled for You

Whether you’re grilling paninis or selecting the perfect pastrami, we know how hard you work for your customers. Protect your business with specialized insurance for delis and sandwich shops.
 
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business owner protected by sandwich shop insurance
small business protected by delicatessen insurance

Why Is Sandwich Shop Insurance Important?

Your sandwich shop is your bread and butter, so protecting it from the many risks of running a food service is important. From equipment failures to employee injuries, unexpected incidents can turn a standard day’s operation into a serious issue.
 
We’re here to help protect you with small business insurance coverage made for your industry.
small business owner protected by deli insurance

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Types of Coverage Sandwich Shops Need

Sandwich shop insurance is a collection of business insurance coverages designed to help protect you from various risks. Most deli shop owners begin with a Business Owner’s Policy (BOP) for the peace of mind it can provide. It includes different types of coverage to help protect your business from bodily injury, legal costs and property damage claims.
 
A BOP combines three essential types of coverage into a single policy:
 
General liability insurance to help protect your sandwich business from claims that it caused bodily injury, like a customer slipping and falling in your restaurant, or property damage to others.
 
Commercial property insurance to help protect an owned or rented building, as well as equipment and supplies you use to operate, like:
 
  • Meat slicers
  • Toasters
  • Refrigerators and freezers
  • Food prep equipment
  • Portable workbenches and ladders
Business income insurance to help replace lost income if you can't operate your deli temporarily after a covered incident, such as damage from fire, wind or theft.
 
While a BOP serves as a good foundation, it doesn't protect your business from every claim. You may need other types of insurance to safeguard against other risks, such as:
 
small business protected because owner knows sandwich shop insurance cost

What Is the Cost of Sandwich Shop Insurance?

The cost of business insurance varies depending on factors like location and coverage needs, but you can expect to pay these average rates:**
 
  • Business Owner’s Policy (BOP): $3,828 a year, or about $319 a month
  • Workers' compensation insurance: $2,094 a year, or about $175 a month
  • Stand-alone general liability insurance: $1,656 or $138 a month

Who Is Covered by Delicatessen Insurance?

If you’re a professional sandwich maker, you could benefit from sandwich shop insurance. Some of the types of businesses we help protect include:
 
  • Sandwich shops
  • Delis
  • Soup and salad bars
It’s important to note that delicatessens with commercial cooking equipment, such as grills or deep fat fryers, are classified as fast food restaurants. The Hartford provides coverage options for that industry as well.

Covering Your Operations

As a local sandwich shop owner, you’ve got a lot of people depending on you. Deli insurance can help protect your business from risks like electrical malfunctions, property damage and liability claims. 
Small to midsize businesses account for nearly half of commercial tort costs.1
business income insurance for sandwich shops

Business Income Insurance

“My cash registers, slicers and other equipment were stolen during a burglary. I lost nearly a month’s worth of business before we were up and running again.”
 
Business income insurance replaces some of your shop’s lost income if you are affected by a theft or property damage caused by events like storms, fires or vandalism.
EPLI for sandwich shops

Employment Practices Liability Insurance (EPLI)

“I needed to let go of an employee based on poor performance. A few weeks later, I was surprised to find out they were suing me for wrongful termination.”
 
Employment practices liability insurance (EPLI) helps protect your deli shop from claims of harassment or wrongful termination. With The Hartford, you also have coverage from claims made by third parties, such as customers or vendors.

Taking Care of Your Team

Whether slicing meats or restocking supplies, your employees are key to every part of your sandwich shop. Delicatessen business insurance can help protect your crew from potential work hazards.
Counter workers and cashiers were among the top 25 occupation groups reporting injuries and illnesses to OSHA in 2023.2
workers compensation for sandwich shops

Workers’ Compensation Insurance

“An employee cut his hand while prepping our vegetable station. He needed to go to the hospital for stitches.”
 
Workers’ compensation insurance gives employees benefits to help them recover from work-related injuries or illnesses. With our coverage, employees can access over 1 million providers and more than 65,000 pharmacy locations across the country.
general liability for sandwich shops

General Liability Insurance

“One of my employees accidentally added pesto to a customer’s order after they told her they had a nut allergy. The customer had to go to the hospital and sued us for the bill.”
 
General liability helps cover claims that your business hurt someone else or damaged their property.

Protecting Your Property

From knife sets to cooling units, the tools and equipment you use are essential to your success. The right type of delicatessen coverage can help protect the valuable business property you rely on to operate.
Electrical fires in nonresidential buildings caused an estimated $375 billion in damages in 2022.3
commercial property insurance for sandwich shops

Commercial Property Insurance

“I recently installed a new fridge. After a few weeks, it caught fire and had to be replaced.”
 
Commercial property insurance helps protect your business’ physical assets, like your building, inventory and equipment.
commercial auto liability insurance for sandwich shops

Commercial Auto Insurance

“An employee got into a fender bender while making deliveries. Our delivery truck needed immediate repairs.”
 
Commercial auto insurance helps protect you and your employees on the road while using company-owned vehicles for business.

Frequently Asked Questions About Deli and Sandwich Shop Insurance

The best way to get sandwich shop insurance from The Hartford is to get a quote. We make it easy to get a fast and free insurance quote online.
When starting a business, it’s essential to have business insurance to protect everything you’ve worked hard to create. Many people wonder, “When should I get business insurance?” There isn’t a specific best time to get insurance but the sooner the better. In fact, most states will require you to have certain types of business insurance to get started. You can also add coverage when you:
 
  • Renew your policy
  • Hire or lay off employees
  • Relocate
  • Get new equipment
  • Offer new products
  • Increase or decrease your income significantly
business owner works after getting sandwich shop insurance quote

Get a Quote for Sandwich Shop Insurance

Get the protection you need to support your success with insurance for sandwich shops. 
 
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Related Articles

 
 
Last Updated: December 2, 2025
 
1 U.S. Chamber of Commerce Institute for Legal Reform, Tort Costs for Small Businesses
 
2 OSHA, 2023 Work-Related Injury and Illness Summary Employer-Reported Workplace Injuries and Illnesses
 
3 U.S. Fire Administration, Nonresidential Building Electrical Malfunction Fire Trends (2013-2022)
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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