Delicatessen Insurance

Written by Michael Foote, founder of Quote Goat, has over 13 years experience working in the finance, insurance and currency sectors.

Running a delicatessen can be expensive, with rates, property costs, commercial energy bills, salaries, ingredients & more all reducing your bottom line. Considering this, make sure you don’t overpay on insurance for your delicatessen by comparing quotes from a leading panel of insurance providers.

It takes less than 2 minutes to get a quote which will help you find the right cover you need at the right price, giving you peace of mind that your deli is covered should the unexpected happen.

What can you include in your delicatessen’s insurance?

You can tailor your insurance policy to meet your own requirements as well as meeting your legal obligations as a business. Your delicatessen insurance policy may include:

Commercial Buildings Insurance: If you have a mortgage on your deli your lender may require you to have commercial buildings insurance in place. It covers the rebuilding or repairing of your premises in the event of pipes bursting, fire, floods, storms, theft, subsidence & riots.

Contents Insurance: Covers what is inside your delicatessen, e.g. your equipment, stock, machinery. If you are the landlord of a delicatessen and it is not your own business then your tenant will be responsible for contents insurance.

Stock Insurance: Covers the cost of replacing stock if it is lost, damaged or stolen. It is important to note that stock insurance will cover the replacement of stock at cost price and not the recommended retail price.

Public Liability Insurance: you may want to take out public liability insurance to cover your deli against the costs of legal defence or compensation claims if a customer, client or member of the public suffers personal injury or property damage as a result of your business.

Employer’s Liability Insurance: If your deli has employees it is highly likely that you are legally required to have employer’s liability insurance which can pay the cost of legal fees and compensation in the event that an employee or ex-employee sues your deli from of a work-related injury or illness.

Other ways for delicatessens to save money

As the owner of a delicatessen you already know the costs involved, however there are also plenty of ways to reduce your running costs. As well as comparing quotes for deli insurance, you may also want to compare business energy quotes – customers make an average saving of 40% and the switch is handled for you.

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