How does insurance for sandwich bars work?
An insurance package designed specifically for your business
Whether you operate a slick fast paced, grab and go sandwich eatery or a more chilled table service type sandwich diner you’ll require a policy that protects all facets of your business.
Sandwich bar insurance is there to protect sandwich shops from a wide range of perils and risks they face daily in their business operations. Perils come in all shapes and sizes, and are nearly always unexpected. These could include slips or falls within your sandwich shop by staff or customers; or the large scale disasters such as floods or fire. So as the owner of a sandwich bar, you’ll understand it’s important to have the right insurance policy in place. Working on premises which not only deals with the public, but also deals sharp kitchen utensils and heat means you need to ensure that you, your employees and the public are protected should an accident occur.
At The Insurance Octopus, our comprehensive business insurance policies are designed to be flexible, allowing you to tailor your sandwich shop insurance to the way you want it, ensuring you’ve got all of the essential cover you need in one simple business insurance policy.
What your sandwich bar insurance policy includes
Public Liability insurance
Public Liability insurance is available with various levels of cover available from £1m, £2m, and £5m. Public Liability insurance for sandwich bars protects you if a member of the public gets hurt or injured whilst on your premises.
Product Liability Insurance for sandwich bars
A crucial cover for businesses selling products; as a sandwich bar you sell consumer goods meaning you’ll want the product liability insurance provides. Product your sandwich shops from claims arising from instances such as food poisoning, burns and more with indemnity cover available at up to £5m.
Employers Liability insurance
If your sandwich shop has employees then you are legally required to hold valid employer’s liability insurance. As an employer it is a legal responsibility to ensure that you have provided safe and secure surroundings for your employees – get covered today with cover 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.
Business Interruption, Cash on Premises, and Goods in Transit
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.
Why you need sandwich bar insurance
As a shop 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 retail shop insurance policy that covers your sandwich bar 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 Sandwich Bar 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.
Arranging cover is made easy
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 – should be simple and easy, that’s why The Insurance Octopus will endeavour to put a policy together for you quickly and simply to get you covered as soon as possible.
Speak to our specialists
Speak to our shop and retail insurance specialists to discuss your business requirements. Our team will look to compare quotes from a range of UK insurers ensuring you get a bespoke policy with the cover you need at the right price. Our tailored cover allows us to add cover for contents insurance, fixtures and fittings and stock items and more. In most cases, we can provide you with your business insurance and documents on the same day (subject to time of day restrictions).
Why choose us to insure your sandwich bar?
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.
A specialist who knows your industry
We'll connect you with an agent who specialises 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.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
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.
Sandwich Bar Insurance FAQ's
Get the answers you're looking for
How much does sandwich bar insurance cost?
The cost of sandwich bar insurance depends on the levels of indemnity you require, which in turn depends on various different factors. One of the Insurance Octopus specialist insurance team will help you choose the right insurance package that suits your business needs. They will then compare quotes from our panel of leading UK insurance providers to make sure that you get a bespoke policy tailored to you, at the best price possible.
Do I need buildings cover if I rent my premises?
When sourcing your business insurance policy, it is important to consider the building your sandwich shop uses in case anything happens to it. Although it is generally the landlord’s responsibility to have buildings insurance in place, you should check what it covers as you may be responsible for items such as shop fronts and or glass. Don’t worry if you are responsible for insuring some or part of the building under your tenancy agreement because we can add the cover to your policy.
What level of indemnity cover do I need for my sandwich bar?
No two sandwich bars are the same, and neither is the level of insurance cover they require. There are many factors to take into consideration when determining the level of cover you require such as the number of employees you have, the location of your premises, the value of your stock and contents, if you own the building or not and your business hours. Call our team today and we can guide you through the key things you need to think about.
How it works
Examples of Sandwich Shop Insurance in action
The £20,000 sandwich
A customer who is severely allergic to eggs discovers an employee has used mayonnaise in their vegan sandwich despite telling the staff member not to use mayonnaise. This results in a visit to the hospital due to anaphylactic shock, as well as the use of an EPI pen. The customer chooses to start legal proceedings against the sandwich bar for this mistake, including a claim for compensation, legal costs and medical fees. Thanks to the sandwich bar having public liability insurance, they are covered for the expenses of the claim.