Sandwich shop insurance

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