HOW MUCH IS BUSINESS INSURANCE
for Delis?

Deli owners can purchase a combination of insurance policies designed to protect them from expenses that can bankrupt small businesses. Depending on the type of deli you run, where it's located, and how much business you do, the cost of your insurance will vary.

Below are cost estimates for the typical small deli, intended for illustration only. Keep in mind that your insurance policies could cost more or less than these numbers, depending on the specifics of your business.

HOW MUCH IS
General Liability Insurance?

General Liability Insurance

General Liability Insurance covers the legal costs of certain lawsuits when customers, vendors, competitors, or other third parties sue your business. Covered lawsuits include slip-and-fall accidents, property damage, bodily injuries, and illnesses. For example, if you serve pastrami contaminated with E. coli, sick patrons could sue your business. In this situation, General Liability pays for your legal defense, court costs, and damages the court rules you owe to your sick customers.

General Liability premiums for a small deli tend to cost between $500 and $2,083 per year.

Median policy premium:

$500 - $2,083

Median policy limit:

$2 million

Median policy deductible:

None

When you sign a lease for your deli, your landlord might require you to have General Liability Insurance because it covers your liabilities if your business starts a fire that damages the landlord's building.

To see how the cost of General Liability Insurance for delis compares with other industries, visit Insureon's General Liability Insurance Cost Analysis New browser window icon..

HOW MUCH IS
a Business Owner's Policy?

Business Owner's Policy

A Business Owner's Policy bundles two small business insurance policies that nearly every delicatessen needs: General Liability Insurance (see above) and Property Insurance. Property coverage can insure your commercial property, including your building (if you own it), inventory, food, equipment, furniture, and more. When small businesses buy these policies together, they usually qualify for lower premiums.

A typical BOP might cost a delicatessen between $747 and $2,651 in annual premiums.

Median policy premium:

$747 - $2,651

Median policy limit:

$2 million

Median policy deductible:

$500

HOW MUCH IS
Workers' Compensation Insurance?

Workers' Compensation Insurance

Delicatessens with employees need Workers' Compensation Insurance, which provides benefits to workers who incur workplace injuries or illnesses. This coverage is usually required by state law and pays for your injured workers' medical expenses and a portion of their lost wages. Workers' Comp with Employer's Liability Insurance even pays for legal costs if your deli is sued over a workplace accident.

Typical Workers' Comp prices range from $1,758 to $4,512 each year.

Median policy premium:

$1,758 – $4,512

Median policy limit:

$500,000

Median policy deductible:

None

To read more about your deli's legal requirements, see our guide to state Workers' Comp laws.

To see how the cost of Workers' Compensation Insurance for delis compares with other industries, visit Insureon's Workers' Compensation Insurance Cost Analysis New browser window icon..

HOW MUCH IS
Umbrella Insurance?

Umbrella Insurance

Umbrella Insurance (also called Excess Liability Insurance) offers deli owners extra liability protection in the event that they max out certain liability policies. Umbrella Insurance can be applied when your General Liability, Auto Liability, or Employer's Liability (included with Workers' Comp) policy reaches its limit.

For example, if the cost of a food-poisoning lawsuit exceeds what your General Liability Insurance policy can cover, Umbrella Insurance can cover additional expenses in increments of $1 million.

Umbrella Insurance for the typical delicatessen starts at a cost of $400 in annual premiums.

Median policy premium:

$400+

Median policy limit:

$1 million

Median policy deductible:

None

To see how the cost of Umbrella Insurance for delis compares with other industries, visit Insureon's Umbrella Insurance Cost Analysis New browser window icon..

Free Insurance Quotes for Delis

Free Insurance Quotes for Delis

As you know, the word "deli" can refer to many types of businesses. You could run a cold cuts storefront or a sit-down restaurant. Because delis come in all shapes and sizes, you'll want to get an accurate insurance quote that reflects the type of business you run.

When you submit an online insurance application to insureon, our deli insurance experts will handle your application and send you a variety of quotes tailored to your business.

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