Business insurance for Delicatessens

You always strive for the best at your deli, but insurance can help should things go awry.

You pride yourself on stocking high-quality produce, such as Italian charcuterie or fine French cheese. Whatever you specialise in, you always prioritise customer experience. But, sometimes accidents happen. You may face legal action if a spillage causes a slip, for example, or may need to make an insurance claim if your stock is damaged.

With Hiscox, you can tailor business insurance to your delicatessen and business needs.

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Why choose Hiscox for your delicatessen insurance?


Flexible insurance for your deli from £5.20*

Our public liability insurance starts as low as £8.40 per month.

*Figures based on an average of all public liability policies sold to at least 10% of our customer base between April 2023 and April 2024



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Why do delicatessens need insurance?

A customer falls ill

Quality products are at the heart of your delicatessen. So, it’s a shock when a customer says they fell ill after eating items from your deli counter. You are confident your continental meats and antipasti are all fresh. However, you may have to defend your business against a claim.

A delicatessen owner can buy products liability insurance with public liability cover. It can help with the cost of defending a claim if someone says they’ve become ill from eating a product you’ve sold.

Deli employee injury

Following health and safety and workplace training protocols is important. That’s why you do so to the letter. However, accidents can happen. You may face a compensation claim if a staff member is injured, for example by cutting their hand on a meat slicer.

Employers’ liability insurance can help your deli with the cost of defence and settlement if an employee claims for illness or injury.

Smashed delicatessen counter

Opening an artisan shop like a deli can be a labour of love. You hand-pick every detail to align with your vision. This includes your fixtures and fittings. An accident in the deli sees your expensive counter smashed. As a focal point, you’ll need it fixed or replaced quickly.

Taking out business contents insurance for your deli can help. It can cover you for accidental damage as standard. Plus, incidents such as theft and even damage caused by a burst pipe.

What insurance is available for delicatessens?

Other insurance types are available for a delicatessen. This includes commercial property insurance if you own the building. Personal accident cover and legal protection insurance are also available.

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Insurance for delicatessens: FAQs

What is the difference between a deli and a café?

The difference between a deli and a café is what each predominantly sells. A deli focuses on selling quality foods such as cooked meats, cheeses and prepared salads.

Meanwhile, a café focuses on selling hot drinks such as coffee and tea. Small meals or snacks, such pieces of cake, are usually served alongside. A café will also often have facilities for their food and drink to be consumed on-site.

Does insurance for delicatessens cover the use of fryers?

Yes, if your insured premises has a deep fat fryer in use, your business insurance can cover it. For this to be the case, though, there are actions you must make for it to remain insured. These include:

  • Every seven days – clean every grease trap, filter, canopy and extraction hood at least once
  • Every six months – clean every extraction duct at least once.

For the full details of inclusions and exclusions, please check the policy wording.

Does delicatessen insurance cover stolen money?

Yes, the business insurance you take out for your deli can cover stolen money, if you add business contents insurance to your policy. It can help protect your delicatessen against the cost of losses or damage after theft, including damage to tills and safes.

Will I be insured for packaged and jarred food sold at my deli?

Yes, you can get cover for the packaged and jarred food you sell at your deli. If you take out products liability insurance, your deli can be insured for selling these items.

Products liability insurance is sold with public liability insurance. It helps if a customer claims that one of your products caused illness, injury, or even damage. Product manufacturers, suppliers and sellers can get cover up to £10 million. This cover applies to the defence and settlement of a claim.