How does delicatessen insurance work?
Comprehensive insurance cover tailor made for delis
As an owner of delicatessen the last thing you want to worry about is the risks of the job. There’s always a chance of possible loss, damage or theft of your utensils, damage to your kitchens, or an expensive claim if an employee or member of the public is injured or worse due to your work. Working in a profession which uses heat and sharp utensils also poses a risk to you or another person. That’s why it’s important to manage these risks and keep your business safe with tailored delicatessen business insurance.
As the owner of manager of a deli you sell and prepare a wide variety of foods, like cheeses and meats, perhaps all sourced from a wide range of different countries. At The Insurance Octopus, we understand the types of risks and perils you’ll face as a deli business. We have formed our cover to offer the ultimate flexibility, allowing you create a tailored delicatessen insurance policy just the way you want it – ensuring that all of the essential cover you’ll need is in one, simple business insurance policy.
What your deli insurance policy includes
Public Liability insurance for delis
Public Liability insurance is available with various levels of cover ranging from £1m, £2m, and £5m. Public Liability insurance is important as it helps to protect you if a member of the public gets hurt or injured whilst on your premises.
Employers Liability insurance
Employers liability insurance is a legal obligation to have if you employ permanent or temporary members of staff. As an employer it is a legal responsibility to ensure that you have provided safe and secure surroundings for your employees. Cover is available at a standard level of £10m.
Contents and Stock cover
Contents and Stock cover can protect the loss of stock, customer goods, staff and customers’ personal effects, fixtures and fittings, computer and electronic business equipment, and helps to enable you to replace all the above in the event of a claim.
Additional optional covers for delicatessens
Business Interruption, Cash on Premises, and Goods in Transit are further add-ons that can be increased or decreased as required making sure your insurance is just what you need. We also offer other covers such as legal expenses insurance; speak to a specialist today to run through all your options.
Why you need delicatessen insurance
As a deli owner, you are at risk from many eventualities, from malicious damage to theft of stock by burglary or theft of monies by an employee. All of these risks factors need to be considered when looking for a comprehensive insurance policy that covers your business. To help ensure that your business is highly profitable you need to protect it and yourself from financial loss.
Insurance in the form of Delicatessen Insurance can also protect you against compensation claims and legal expenses. Even if you win a case, legal fees can be considerable so it is important for your financial success that you are covered by public & employers liability insurance.
Common deli food insurance claims could include:
- bouts of food poisoning which come about as a result of food you’ve sold
- customers suffering allergic reactions due to incorrectly labelled foods
- injury to a third party due to food contamination which could include metal objects etc
Deli Insurance FAQ's
How does money cover for deli’s work?
Delis and other small businesses which have to handle large amounts of cash on a daily basis may want to insure against the theft or loss of that money. Money insurance will help you in the event that your cash goes missing or is stolen. You can be covered if this happens at your premises, while in transit or even at a third party location such as the bank’s overnight safe. Call our team today and we will help you select the right level of cover for your business.
Does my deli need employers liability cover?
Yes if you employ staff. Our delicatessen insurance policy includes employer’s liability insurance under a standard cover of £10 million because it is a legal requirement if you employ staff (regardless of whether they are permanent or temporary). This is because as an employer, it is your responsibility by law to ensure that you have provided a safe and secure working environment for your employees.
Can I compare deli insurance quotes?
Yes. Getting the right bespoke insurance policy tailored to your deli is essential. So, one of our dedicated consultants will discuss your business requirements with you and comparing quotes from our panel of leading UK insurance providers. This will ensure that you get a policy with the cover you want and need at the right price.
Full protection for you and your deli business – with all the cover you’ll need in one simple policy
Deli insurance you can trust
Choosing, the right insurance package that suits your business and any additional items you may require – for example public and employers liability insurance or stock and contents insurance – is important, which is why The Insurance Octopus will endeavour to put a policy together for you quickly and with ease.
We can arrange same day cover
In most cases, we can provide you with your business insurance and documents on the same day (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit. Get in touch with us today for more information.
Why choose The Insurance Octopus to insure your Deli?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We’ll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How deli insurance works
Examples of Deli Insurance in action
A trip they won’t forget
A member of staff at the delicatessen has been left with severe burns to their hands due to tripping over an exposed wire within the bakery area of the store and placing their hands on the surface of a hot oven to prevent falling. These injuries have left them unable to return to work, and such they are pursuing legal action against the delicatessen. Due to full employer’s liability insurance, this claim is covered and the business is protected against all costs or loss involved.
Other types of Retail Shop Insurance we can provide
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