Sandwich Bar Insurance Quotes & Cover

We compare quotes from leading insurers

Compare sandwich bar insurance

Running a busy eatery comes with its own set of challenges, but finding the right business insurance shouldn't be one of them.

Whether you're operating a takeout sandwich bar or a cosy spot for diners to take a moment out of their day to relax and enjoy lunch, incidents like slips, trips, falls, fires, or floods can occur unexpectedly. That's why it's important to prioritise your sandwich shop insurance to protect your livelihood.

We make the process of finding the right sandwich shop insurance easy and stress-free. By partnering with top UK business insurers, we can offer customised insurance packages to meet your specific needs. Our goal is to provide you with peace of mind and the assurance that your business is protected.

We understand the demands of running a business and value the importance of having the right protection in place. For those who know the coverage they need, our online platform allows you to compare quotes and secure insurance in minutes. And for those who require expert guidance, our business insurance specialists are available to assist you in finding the right insurance solution for your business.

Compare & buy cover online

If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.

Start a quote

Request a call back

Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Request a call back

_{Call us on:}
0333 320 6009

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm

Sandwich Bar insurance cover in detail

What is sandwich bar insurance?

Sandwich bar insurance is a type of insurance package that is designed to protect hospitality business such as sandwich shops from financial losses, such as accidents, legal disputes, and natural disasters. It can include several types of coverage to give you peace of mind allowing you to work without worry.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

Public liability insurance covers the cost of compensation claims made against the sandwich shop by customers or members of the public who have been injured or suffered property damage as a result of your business activities. Public liability claims for sandwich shops could include:

A customer slips and falls on a wet floor in the shop, sustaining an injury.
A customer claims that the food served by your business made them sick, leading to medical expenses and loss of income.
A shop employee spills hot coffee on a customer, causing burns or other injuries.

Without public liability insurance, a sandwich bar could face significant financial losses in the event of a claim. This insurance cover can provide a safety net to help mitigate the financial impact of an incident offering peace of mind that your sandwich shop is protected.

Employers' liability insurance

Employers liability insurance is a type of cover that protects sandwich shop owners from financial losses related to claims made by their employees. As an employer you’re legally obliged to protect your staff in case of an accident at work. Most sandwich shop insurance policies can include employers’ liability insurance to take care of this for you. Examples of claims that could be made by employees include:

Workplace injuries: If an employee is injured while performing their duties, they may make a claim for compensation.
Illnesses related to work conditions: If an employee falls ill due to hazardous working conditions or exposure to hazardous substances, they may make a claim against the employer.
Unlawful dismissal: If an employee makes a claim for unfair dismissal, employers' liability cover may provide financial support for legal defence and any settlements that may result from the case.

Employers' liability insurance is a crucial coverage for sandwich bar owners, as it protects them from financial losses related to claims made by employees.

Personal accident cover

Considering the possibility of an employee or customer injuring themselves while you work is crucial; but how would you cope financially if you were unable to work following an accident at work? A simple fall or slip at work could leave you out of action. Personal accident cover is designed to provide financial protection in the event of you having an accident or injury while at work.This insurance can provide a range of benefits, including:

Medical expenses: The insurance can cover the cost of medical treatment for accidents or injuries sustained during the course of running your sandwich bar.
Lost income: If the you are unable to work due to an accident or injury, the insurance can provide financial support to replace lost income.
Permanent disability: If you are permanently disabled as a result of an accident or injury, the insurance can provide a lump sum payment to help cover the cost of rehabilitation and other expenses.
Death benefit: If you die as a result of an accident or injury, the insurance can provide a lump sum payment to your beneficiaries.

As a sandwich shop owner, personal accident insurance is a valuable coverage that can provide peace of mind and financial protection in the event of an unexpected accident or injury. It can help to minimise the financial impact of such incidents and provide support during recovery.

Property covers

As a sandwich shop owner you’ll be heavily reliant on your buildings, contents and stock. Therefore protecting your property ensures minimal disruption if something unexpected happens. Some common features of property insurance for sandwich shops include:

Building cover: If you own your shop premises, this insurance can cover the cost of repairing or rebuilding the building if it is damaged by a covered event, such as a fire or storm.

Contents cover: The insurance can cover the cost of repairing or replacing contents and equipment, such as ovens, refrigerators, and cooking utensils, if it is damaged or destroyed by a covered event.

Stock cover: The insurance can cover the cost of replacing stock, such as food, beverages, and supplies, if it is damaged or destroyed by a covered event.

Property insurance for sandwich shops is an important cover that can provide financial protection for the physical assets of your business.

Employee placing an open sign on business door

Business interruption insurance

No one ever expects the worst to happen, but when it does the consequences can be devastating. Fire can destroy a premises in seconds, and floods can take months to dry out. If you suffered damage to your business premises would you be able to start from scratch? Business interruption insurance for sandwich shops can protect loss of profit and cover fixed expenses in the event of an interruption to normal operations. This type of insurance can help cover the loss of income that results from unexpected events such as:

Natural disasters: If a sandwich bar is forced to close due to a natural disaster, such as a flood or fire, business interruption insurance can help cover the loss of income.
Power outages: If a power outage forces a shop to close, business interruption insurance can provide financial support to help make up for lost income.
Supply chain disruptions: If a supply chain disruption, such as a strike or transportation issue, affects the ability of a sandwich bar shop to operate, business interruption insurance can help cover the loss of income.

Commercial legal protection

Commercial legal protection can be included in your sandwich shop insurance policy, with cover designed to provide businesses with financial protection and support for legal costs related to commercial disputes and other legal issues. The insurance typically covers:

Legal fees: The insurance can cover the cost of hiring a lawyer to represent the business in a legal dispute or provide legal advice on a specific issue.
Court costs: The insurance can cover the cost of court proceedings and any related expenses, such as expert witness fees.
Representation: The insurance can provide representation for the business in court, at tribunals, or in other legal proceedings.
Advice: The insurance can provide access to legal advice on a wide range of commercial issues, such as contract disputes, employment law, and intellectual property issues.
24/7 helpline: Some policies may include a 24/7 helpline that businesses can use to get legal advice and support.

Commercial legal expenses can help to minimise the financial impact of such incidents and provide peace of mind knowing that your sandwich shop has access to legal support when it is needed.

Sandwich bar insurance FAQs

Do I need sandwich bar insurance?

Working in the world of catering presents a number of risks. The potential for food poisoning, the risk of sharp objects or blistering burns from hot cooking equipment – means sandwich shop insurance must be a top priority. Whether your business focus is grab and go or you’re inviting customers in for rest, relaxation, and recharge, protecting your livelihood is essential.

If you are unsure if you require sandwich bar insurance, we recommended that you speak with an insurance expert. At Premierline, our advisors are on hand to discuss the specific types or covers and amounts of insurance that your business needs.

What covers do sandwich bars need?

At Premierline, we offer flexible sandwich bar insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your sandwich shop, you should consider the following:

Public liability – for injured guests or damage to their property.
Employers' liability – to protect your shop employees.
Buildings cover – to cover for loss or damage to your shop premises.
Equipment, contents and stock – to reinstate your items and belongings.
Business interruption – to keep finances running when disaster strikes.
Money cover – for theft or attempted theft.
Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
Business legal expenses – to cover the cost of legal expenses or defend your shop against legal action.

More information

How much does sandwich bar insurance cost?

The cost of insurance for a sandwich bar will depend on several factors, including the size and location of the sandwich shop, the types of covers required, the value of the assets being insured, and the overall level of risk associated with the business.

It is difficult to estimate the cost of insurance for a sandwich bar without taking these factors into account. The best way to get an accurate estimate of the cost of insurance is to compare quotes on the Premierline website or to speak to one of our insurance advisors who can assess the specific needs and risks of your business and provide a quote from a recommended insurer.

Why choose Premierline to arrange sandwich bar insurance?

Whether you’re running a sandwich bar or shop, a café or a coffee shop, we’re here to make arranging your sandwich shop insurance simple and hassle free. We understand the pressure of running a business which is why we’ve made it easy for you to compare quotes and covers from some of the UK’s leading insurers.

What type of sandwich bars do Premierline work with?

As a business insurance broker, we can source insurance for a range of different sandwich bar businesses. Below are just some of the common types of sandwich shops we have worked with:

Deli-style sandwich shops - selling a variety of lunchtime favourites
Gormet sandwich shops - offering high-quality sandwiches with artisan ingredients
Fast food sandwich shops - catering for customers on the go
Cafes - with a reaxed atmosphere for customer to dine in the shop
Mobile catering - offering a mobile option for customers

How do I choose the right sandwich bar insurance policy for my business?

It's important to work with a reputable insurer or insurance broker such as Premielrine who can help you assess the specific risks and liabilities of your business and determine the right coverage options for your needs. Make sure to read the policy documents carefully and ask questions if anything is unclear.

Do I need sandwich bar insurance if I rent my space?

Yes, you still need sandwich bar insurance even if you rent your space. The landlord's insurance policy typically only covers the building structure and not your business operations.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

useful description of image if informative and not decoration only.

We're Business Insurance Experts

We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Excellent customer service. Friendly, relaxed manner whilst very professional. The two team members I spoke to were friendly and clear. They were both very professional and very efficient and my insurance was sorted swiftly.”

Catering Business Owner

Customer since January 2024

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.

Don't just take our word for it, read more of our customer testimonials and reviews.

Read our reviews

Speak to a sandwich bar insurance expert

If you know the covers you need you can protect your business online in a matter of minutes. However, if you’re looking for expert advice and guidance call and speak to our business insurance specialists.