SANDWICH SHOP BUSINESS INSURANCE

Serving the residents within your marketplace is what you do best and your reputation is all about the quality and value in your sandwich and deli service.  That is why it is important for you to have an equal in your insurance protection.  Our Sandwich Shop Business Insurance protection is comprehensive coverage built onto the back of our business owner policy (BOP) foundation and it provides a lot of coverage at the least possible cost.  Most soup, salad and sandwich shops are eligible for coverage in our Business Owner policy program.  When we can use the BOP for Sandwich Shop Business Insurance clients we get to use our most efficient and cost effective policy option to aid your bottom line. Because we are able to place and qualify your business in a less costly Business Owner Policy classification we can save you money without compromising coverage while keeping it simple and effective.  We are also able to offer the larger enterprises our commercial package policy program (CPP) with similar pricing and policy construction.

The Sandwich Shop Business Insurance policy language has been carefully written to provide comprehensive insurance for distribution business owners including those with multiple locations.  We know that our Sandwich Shop Business Insurance policy will be an excellent policy choice for your business needs.  Our BOP coverage for restaurants and deli operations is ideal for the variety of property and liability exposures inherent in the products you sell and services you provide.

Sandwich Shop Business Insurance needs are similar to many other food service businesses.  In our BOP we include comprehensive general liability and business property coverage as a start and can add the other various coverage parts that you need for your business operations.  Our BOP coverage is thorough and protecting you with solid protection is what you are after.  Our Sandwich Shop Business Insurance package provides an effective shield of protection for the property and liability and the intangibles of being in the distribution business.  We can write Sandwich Shop Business Insurance on either a single locations or multiple location basis but this policy is designed for small to medium operations.  This class of business tends to be freely underwritten on the primary classification and the typical points of emphasis from underwriter are the maintenance and condition of facilities, cleanliness and hygiene, along with prior loss history and respectable financial success.

The Sandwich Shop Business Insurance policy we write for sandwich shops and deli businesses are rated primarily on total receipts but good overall facilities management is a minimum requirement to maximum discounts.  Typically we include many of the following coverage and options but these are your choices to make. Basic general liability and property insurance is included automatically:

Liability – Sandwich Shop Business Insurance Package

• Bodily Injury and Property Damage, Premises Liability
  • Limits available up to $2,000,000/$4,000,000
• Personal Injury and Advertising Liability Coverage
• Coverage on your premises or wherever you do your work
• Employment Practices Liability Insurance
• Fellow Employee Coverage
• Host Liquor Liability
• Non-owned Watercraft
• Hired and Non-Owned Auto Liability
• Products and Completed Operations Liability
• Employee Benefits Liability
• Ohio Stop Gap Liability Insurance
• Cyber Insurance – Data Breach, Cyber Extortion
• Electronic  Data Liability Coverage
• Food Borne Illnesses
• Liquor Liability

Liability insurance protects against the tort of negligence in the Sandwich Shop Business Insurance policy.  The tort of negligence is a breach of duty that is derived from common law principles that have evolved through decades and even centuries of recorded decisions about our relationships with one another including situations involving Sandwich Shop Business Insurance clients.  You also have an exposure to the quality of your product and the injuries these contaminated or spoiled products may cause.  As a food service business it is inherent in your business to avoid these kinds of product losses.  This requires you to maintain constant vigilance on the products you sell to avoid the implication that you are just as responsible for the injuries as the manufacturer of contaminated products.

While slip, trip and fall events are among the most common losses for sandwich and deli businesses, the product you sell are more likely to bring the most expensive loss.  When someone is injured or their property is damaged because of a contaminated product, you could be held responsible.  Your duty in the case of product liability is to use all possible caution in product management, rotation, and the cleanliness of the preparation areas.  Consequently, a duty is an obligation we owe to someone else when our product causes injury.  In essence, we owe each other the duty to protect them from the consequences of our actions and when someone is hurt or suffers harm to either body, property, or reputation, we may be negligent. Premises liability is based on standard liability principles.  Product liability is a stricter responsibility for your Sandwich Shop Business Insurance to deal with after a loss occurs.

In our culture we boil down our grievances to a money damages settlement in most cases.  In the case of the liability coverage provided in our Sandwich Shop Business Insurance policy, we will pay for the benefit of a legal defense against the claims of injury or damage and we will also pay the amounts that become due to another because a finding of your negligence has been agreed upon.  Agreements occur through legal proceedings or an agreement accomplished through the negotiations of your insurance carrier and the other people involved in the claim.  This includes bodily injury and property damage as a result of events on the premises, through acts on and away from the work facilities, injuries caused by products, advertising injury, personal injuries other than bodily injury, hired and non-owned auto liability, and injury or damage caused due to computer intrusion and compromise when coverage is chosen.  The benefit of a defense of claims can be the best benefit of the well endorsed Sandwich Shop Business Insurance policy.

Sandwich Shop Business Insurance – Property Coverage

• Owned Buildings including multiple locations
• Business Personal Property, Fixtures, Stock, Inventory
• Computers and Electronic Records including media
• Building Limit Automatic Increase at the Time of Loss
• Valuable Papers and Records
• Accounts Receivable Coverage
• Computer Coverage and Cyber Crime
• Outdoor Signs—Attached and Detached
• Building Ordinance and Law Coverage
• Off-Premises Coverage for Business Personal Property
• Property in Transit when properly endorsed
• Earthquake Coverage (Some carriers)
• Loss of Rents, Business Income, including Extra Expense Coverage
• Coverage For Water & Sewer Back-up – Not Flood
• Equipment Breakdown & Electrical Disturbance
• Spoilage and Food Contamination

Our Sandwich Shop Business Insurance package policies are a combination of property and liability coverage.  You do not need to own the building but at the least we must include the business personal property in the coverage including stock and fixtures along with liability coverage.  If you own the building the BOP policy expects this to be included in policy coverage too.  The Sandwich Shop Business Insurance policy provides a lot of coverage in a tidy package and it is flexible enough to handle several locations and variety of situations for building, business personal property, computer and cyber-crime needs, signs, coverage on or off premises, loss of business income and break down of critical building mechanical systems that may alter your ability to operate your business.

Inland Marine and Special Property

(See IM Section for more Details)

Inland Marine coverage is especially designed for mobile equipment and property that leaves the insured premises/location.  A Sandwich Shop Business Insurance policy should consider the value of merchandise that is in transit and add coverage for items in transit.  Also, IM is needed if you take property to a client location like a laptop or other devices you use in the field, the IM coverage provides great protection for this mobile property.

Umbrella Liability for Sandwich Shop Business Insurance

Sandwich Shop Business Insurance often includes an Umbrella liability policy as an additional limit of liability protection because of the potential for large liability claims can occur. Even if you are meticulous in your facilities management and preparation hygiene, you are still exposed to claims from slip and fall and product failure and it is wise to layer up your liability coverage for the ultimate protection.

Think of an Umbrella policy as an extension of the underlying liability policy limits.  What isn’t covered in the primary policies may still be picked up in the Umbrella policy when the cause of loss is not specifically excluded.  Most carriers writing the primary Sandwich Shop Business Insurance policy will also write an Umbrella over their underlying policies.  It is good to know what is and isn’t covered by the Umbrella so make sure to ask.

Crime, Surety & Fidelity Bonds

• Employee Theft
• Crime Inside
• Crime Outside
• Surety & Fidelity Bonds

While you are busy operating and managing your business, your Sandwich Shop Business Insurance can be on guard for the loss of money through theft, robbery or burglary, or the dishonesty of an employee. These are losses that can cripple a sandwich and deli business and tailoring the needs for crime, surety and fidelity coverage can be done within the Business Owner Policy but may be better handled on a separate policy.  Crime coverage doesn’t provide defense against inventory shrinkage regardless of the cause without another cause of loss being invoked.

Business Auto

(See business Auto Section for Details)

Most sandwich and deli businesses do not maintain business vehicles for their business delivery and operational needs and even if that is not true for your business there are auto liability exposures to make sure get covered.

If you maintain and operate your own business autos, trucks and trailers, you will need a separate business auto insurance policy that can be coordinated with your Sandwich Shop Business Insurance policy and which can enjoy maximum discounts on premium.  One of the biggest driver of pricing for business autos are driving records, claims experience, radius of distribution and the types of equipment you use.

It is more likely that the bigger exposures for some businesses comes from employee autos.  If you rely on the vehicles owned by your employees for occasional delivery or business errands, you will need employer’s non-ownership coverage since their accidents could become your obligation to pay and defend under some circumstances.  You should purchase liability protection in limits similar to those you carry on premises and operations coverage.  We cover non-owned auto liability with an endorsement to your Sandwich Shop Business Insurance policy when you don’t otherwise own or operate business vehicles.

The business auto coverage is dealt with in general detail in the business auto section.  Follow the link to this section for my information.

Professional Advice and Agency Service

Quality coverage begins with understanding your needs and the extent of the risks in your operation.  Our claims and underwriter resources have plenty of experience in insuring and providing risk control and management benefits to businesses and their owners.  Moreover, I have 37 years of experience working with business owners and have insured hundreds of millions of dollars of property through the years along for hundreds and thousands of businesses.  I have worked with fleets of over 100 vehicles.  Sandwich Shop Business Insurance is a relatively common coverage policy product and while our policies are competitive and priced right, it is also wise to work with an agent with enough relevant experience so you get the best coverage and best rates and coverage advice that helps avoid coverage holes. I have considerable experience working with small business owners and am available to help you.

This agency represents quality carriers that have the ability to provide the coverage your business needs whether or not it is ultimately provided inside of our Business Owner Policy or our more flexible Commercial Package Policy (CPP) option.  Call and ask for Terry McCarthy at (513) 779-7920, 9-5 Monday – Friday most days. We’re available to meet at most any time with an appointment in advance.