Delicatessen insurance

You’re responsible for every customer that steps foot in your deli, every staff member you employ and every product you sell to your customers too. Without the correct cover in place, your shop may be open to claims that could jeopardise your future ability to trade. Having the right insurance can let you focus on the job in hand and work without worry.

Deli shops and specialist food retailers can be exposed to a variety of hazards, from fires and floods to slips trips and falls, meaning there are a number of considerations to take into account when arranging your delicatessen insurance policy.

At Premierline, we offer flexible deli shop 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 deli shop, you should consider the following:

• Public liability – for injured shop visitors 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 defending your shop against legal action.

More information

The cost of your delicatessen insurance will depend on your shop’s activities, the location of your deli and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. A shop insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope that you will never need to call on.

Premierline has many years of experience arranging insurance solutions for independent deli shops. So, we arrange insurance for vendors that’s designed to offer all the protection you need.

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.

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.

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.