Sandwich Shop Insurance in Vermont

What is Sandwich Shop Insurance?

Establishing a deli or sandwich shop in Vermont requires a substantial amount of capital and lots of old-fashioned hard work. The finances, time and energy that owners pour into these establishments ought to be protected, and that’s what sandwich shop insurance is for. A robust sandwich shop policy may protect a deli from a range of potential risks.

Sandwich shop insurance policies are specialized commercial insurance policies that have been uniquely designed for delis and sandwich shops. Most policies are package policies, which means they have several coverages that work together to create a web of protection.

What Coverages Are Included in Deli Insurance Policies?

The exact mixture of coverages included in a deli insurance policy is often adjusted to meet a specific establishment’s needs, so coverages can vary from one policy to the next. Nevertheless, there are several coverages that many policies make available to owners who would like these protections. Some of the most common coverages include:

General Liability Coverage, which might protect against common accidents, libel claims and slander claims
Building Coverage, which might protect any building that an establishment owns
Contents Coverage, which might protect equipment, fixtures and ingredients an establishment owns
Product Liability Coverage, which might protect against claims related to food-borne illnesses
Food Contamination Coverage, which might protect perishable ingredients from spoilage

Is Coverage for Vehicles Included in Deli Insurance Policies?

Some deli insurance policies may offer auto insurance coverage, but other policies might not come with this protection. Additionally, those that do have auto coverage might provide a couple of different types of commercial auto protection.

Establishments that own vehicles normally need a deli policy that has full-fledged commercial auto insurance coverage. These policies are typically similar to personal auto policies, but they’re usually designed for commercial vehicles that are owned by companies instead of individuals.

Establishments that have employees use their personal vehicles to make deliveries might want hired and non-owned vehicle coverage. This form of auto coverage normally extends liability protections to vehicles that a company doesn’t own or lease, but uses for work. The liability protections are frequently in effect only when the vehicle is being driven for work, such as when making deliveries.

Owners who are unsure whether their establishment needs either of these types of auto coverage should speak with an experienced insurance agent. An agent who’s familiar with the nuances of deli insurance will be able to help owners select the most appropriate coverage for their particular deli or sandwich shop.

Is Workers Compensation Coverage Included in Sandwich Shop Policies?

Although most delis and sandwich shops need workers compensation coverage because they employ workers, sandwich shop policies frequently don’t come with workers compensation. This coverage is normally purchased separately, as a stand-alone policy.

Insurance agents who help owners find sandwich shop policies often can also help with the selection of a workers compensation policy.

What Establishments in Vermont Need a Sandwich Shop Policy?

Most Vermont foodservice establishments that primarily serve sandwich-style meals can benefit from getting a sandwich shop policy. This generally includes traditional delis and sandwich shops, as well as businesses that serve po-boys, pita pockets, gyros and similar foods.

Restaurants, caterers and food trucks that serve sandwiches and other foods might want a sandwich shop policy, but they’ll likely find more suitable coverage in a policy that’s specifically for their type of foodservice business. Many insurance companies in Vermont offer restaurant, catering and food truck insurance policies.

How Can Establishments Get Sandwich Shop Insurance?

For help insuring or deli, sandwich shop or similar business, contact the independent insurance agents at Paige & Campbell Insurance. Our independent agents can show you quotes from several different Vermont insurers, and they have the expertise necessary to help you compare both costs and coverages. With our team’s help, you can confidently find a policy that’ll give your establishment solid sandwich shop insurance coverage.