Sandwich shop insurance

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Insurance for sandwich shop risks – what’s important?

From food poisoning risks to a trip and fall, accidents in food shops happen every day. Public and product liability claims can cost thousands, so insurance for sandwich shop businesses usually starts with third party injury and damage risks, with options to add cover for stock, buildings, contents and employers’ liability insurance, plus personal accidents which could stop you working.

  • trips, falls, allergies and food poisoning – insurance for your public liability risks
  • trusted by over 900,000 small UK businesses for flexible, tailored cover
  • cover for what you need, like your products, stock, and equipment

What does sandwich bar insurance cover?

Typically, we start with public liability insurance for sandwich shops, covering you against third party accidents, injuries, and damage – for example, if an ingredient you’ve used causes a case of food poisoning, insurance could help cover a customer’s compensation claim. From there, you can add stock and contents insurance, personal accident protection, plus employers’ liability cover for your team.

  • Public liability insurance

    In case your business and products cause an injury or property damage.

  • Employers’ liability insurance

    In case anyone gets ill or injured because of working for you.

  • Building insurance

    In case something happens to your sandwich bar premises.

  • Contents insurance

    In case something happens to your fixtures, fittings, or operational equipment.

  • Stock insurance

    In case something happens to the items you keep in stock.

  • Legal expenses insurance

    In case you’re hit with legal expenses connected to your sandwich shop.

  • Personal accident insurance

    In case anyone you’ve covered is accidentally injured, at work or off-duty.

  • Public liability insurance

    In case your business and products cause an injury or property damage.

    What’s typically covered by public liability insurance?

    Claims against your business for:

    • damage to someone’s property, because of your sandwich shop
    • an injury or illness caused by your business activities or products
    • accidental damage or injuries caused by your employees

    For example:

    • a customer gets food poisoning after eating one of your sandwiches, and makes a claim against you
    • you knock a customer’s laptop off a table in your shop, smashing the screen and causing permanent damage

    What you’ll need additional cover for

    • road accidents, and claims related to a delivery van or vehicle – these are usually handled as part of your motor insurance policy

    **If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

    Read more about public liability insurance

  • Employers’ liability insurance

    In case anyone gets ill or injured because of working for you.

    What’s typically covered by employers’ liability insurance?

    Claims against your business for:

    • an injury or illness that happens as a result of working for you (including temps and casual workers)

    **Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

    For example:

    • your employee traps his hand while cleaning behind the fridge in your sandwich shop, and needs surgery
    • one of your summer temps slips and falls on your wet shop floor, injuring her lower back

  • Building insurance

    In case something happens to your sandwich bar premises.

    What’s typically covered by business and office equipment insurance?

    • the cost of repairing damage to the structure of your building (or rebuilding it from scratch)
    • damage to fixtures and fittings
    • damage to underground pipes and cables you’re responsible for

    For example:

    • the cabling in your sandwich shop needs to be replaced, following a fire caused by one of your fridges
    • your shop windows are badly damaged by vandals, and need specialist repair work

    What you’ll need additional cover for:

    • tenants’ improvements – changes to the property’s structure which you’ve organised and paid for yourself, like partition walls or wooden flooring

    Read more about business and office equipment insurance

  • Contents insurance

    In case something happens to your fixtures, fittings, or operational equipment.

    What’s typically covered by sandwich shop contents insurance?

    • accidental damage to your fixtures and fittings, or the equipment you use to run your deli or sandwich shop
    • theft, flood, and fire damage

    For example:

    • a new employee jams your high speed oven, and you need to get it repaired
    • flooding causes damage to your sandwich shop’s wooden benches and other furniture, which all needs replacing

    Read more about tools insurance

  • Stock insurance

    In case something happens to the items you keep in stock.

    What’s typically covered by stock insurance?

    • loss, damage, or theft of things like prepared food items, sellable products, ingredients, and other materials you use to stock your food and sandwich shop business

    For example:

    • all of your prepared stock is damaged by flooding in your sandwich shop kitchen, and you’re unable to trade
    • you collect a new order of soft drinks from the cash and carry, and it falls out of the van on the motorway

    Read more about stock insurance

  • Legal expenses insurance

    In case you’re hit with legal expenses connected to your sandwich shop.

    What’s typically covered by legal expenses insurance?

    • legal costs attributed to your sandwich shop
    • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
    • tax and compliance disputes and investigations you need help with
    • includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your professional reputation

    For example:

    • you need to hire legal support in connection with a health and safety claim
    • there’s an issue with one of your employee’s visas, and you need to recover legal costs

    Read more about legal expenses insurance

  • Personal accident insurance

    In case anyone you’ve covered is accidentally injured, at work or off-duty.

    What’s typically covered by personal accident insurance?

    • accidental injury or death at work or elsewhere, for anyone covered on the policy
    • lost income, medical costs, and hospitalisation benefit

    For example:

    • you trap your finger in the door of your van, and need a week off from working in the shop
    • your employee, who you’ve covered on the policy, breaks their knee while playing football

    Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does deli insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

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The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.

Example sandwich shop insurance quotes, real prices

£22.65 /month

£201.35 /year

A small family run sandwich shop located in a small retail space

  • 2-3 years’ experience
  • Limited company
  • 1 employees
  • Based in Sheffield

Public liability

£2,000,000

Employers’ liability

Not included

Stock

Not included

zurich insurance

£88.52 /month

£786.82 /year

A large sandwich shop located on a busy high street and use a 5 litre deep fat fryer and have an ATM machine

  • 5+ years’ experience
  • Limited company
  • 3 employees
  • Based in Belfast

Public liability

£2,000,000

Employers’ liability

£10,000,000

Stock

£5,000

How we work out example quotes These examples are real quotes from our online system (created 16/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Stock

£200

£4000

Public liability

No excess

£750

Contents

£200

£4000

Employers’ liability

No excess

No excess

Main building

£200

£400

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

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How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023.

The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.

Example claim

Having food shop insurance through Simply Business has saved companies thousands of pounds when the unexpected happened.

Carly saved more than £44,600

A leak in the flat above Carly’s (not her real name) sandwich deli caused significant water damage over the new year bank holiday, particularly to the shop’s electronic circuits and interiors. The optional building cover in her sandwich bar insurance policy helped cover Carly’s repair and rebuild costs.

Insurance payout

£44,662.99

Covering the cost of escape of water

Insurance payout

Covering the cost of escape of water

Covering the cost of escape of water

Chosen by nearly 1 million small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.

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Sandwich shop insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for sandwich shop businesses. You can also check out our business insurance FAQs.

Public liability insurance is often an important cover for shops – it’s designed to protect you if someone is injured or suffers an illness, or their property is damaged, because of your business. For example, if you’re running a sandwich shop, is there a risk that someone may get food poisoning? However unlikely, incidents like this do hit thousands of retailers every day, making liability insurance an important backstop.

Are you hiring staff? If so, you’re usually required by law to take out employers’ liability insurance, even if it’s for a temporary team member, or seasonal staff. You’ll face fines of up to £2,500 a day for anyone you haven’t covered correctly.

From there, you can pick and choose from other specific protection for your shop’s stock, equipment, fixtures and fittings, and the building(s) you use. Our shop insurance quotes are flexible – you can bundle everything into one policy or go for just one or two covers, depending on what you need.

Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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