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Sandwich Shop Insurance
Compare insurance for sandwich shops
Tailored insurance for sandwich businesses
Compare quotes from a panel of trusted providers
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, like sandwich shops
Get cover to protect against claims from employees, customers & more
Get the protection you need with no needless extras
What is...
sandwich shop insurance?
Running a sandwich shop is all about serving up fresh, tasty bites. But, behind the counter, there’s always the risk that something could go wrong.
From accidents to your panini press breaking down, sandwich shop insurance helps protect you when the unexpected happens. Whether you run a deli on the high street or a grab-and-go sandwich bar, tailored sandwich shop insurance makes sure that your business, staff and stock are covered.
What type of sandwich shops can you cover?
No matter how you slice it, sandwich shops come in all shops and sizes. Whether you own a:
- Highstreet deli
- Takeaway sandwich bar
- Sandwich or mobile catering unit
- Snack bars serving sandwiches alongside drinks and other foods
Bionic can help you find insurance tailored to your specific business needs.
Why do sandwich businesses need insurance?
When you’re juggling fresh ingredients, loyal customers, and a busy workday, one unexpected mishap can derail your business.
Having the right insurance in place is key for sandwich shops as you could have to pay out hefty legal fees, compensation or financial losses if something goes wrong, like:
- A customer claims they got food poisoning from a sandwich you served
- A customer slips and falls in your shop
- Your equipment is stolen
- A fire or disaster damages your shop
- Your stock of ingredients spoils due to a power outage
- An employee gets injured while working
Sandwich shop insurance helps cover your losses if a claim is made against you or if you need to make a claim.
What does sandwich shop insurance cover?
At Bionic, we know every sandwich shop business is unique, so insurance packages could include a combination of the covers below. Policies will vary per provider for sandwich shop insurance, and limits and exclusions apply. Always refer to your policy wording for details.
Public liability insurance
In case you injure someone or damage something while providing your services
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Business equipment insurance
Protects your essential tools and equipment from theft or damages due to an insured event
Business interruption insurance
Covers lost income if you have to close due to a covered event, like a fire or flood.
Stock and contents insurance
Provides cover for stock, including food & drink supplies against theft or damage by fire or other insured events
What doesn’t it cover?
Sandwich shop insurance won’t cover everything, and some exclusions apply, such as:
- Intentional damage – Damage caused on purpose isn’t covered.
- Neglect – Not keeping up with regular maintenance or negligence in food storage could void your cover.
- General wear and tear – Normal ageing or wear on equipment and stock isn’t included.
Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.
How much does sandwich shop insurance cover cost?
Because all sandwich shops are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and prices depend on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies may vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a claim on your policy or had claims made against you, it may affect your future premiums.
Do you need cover for your building if you rent?
If you rent, your landlord is responsible for insuring the building, but you’ll need to arrange cover for anything inside the building, like your stock, equipment, and any liabilities.
Unsure? Get in touch with our insurance team today to find the right cover for you.
Do you need cover if you sell other food?
Yes, let your insurer know if you offer any additional products including alcohol, so your policy covers everything you offer.
You’ll also need to let your insurer know if you’re working with hot ovens, fryers or appliances to create hot sandwiches as this poses a different risk to employees and your building or van.
Get sandwich shop insurance sorted with Bionic
Your sandwich shop deserves more than just great grub — it needs reliable protection. At Bionic, we specialise in helping businesses like yours find tailored insurance without the hassle.
Start your quote online today or chat with our knowledgeable team, whose smart comparison tools make it easy to find tailored cover that fits your needs.
“The right insurance helps protect your investment and customers. It's not just a safeguard — it's part of responsible hospitality.”
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Sandwich Shop Insurance FAQs
To help you understand more about business insurance, here are the answers to some of our most frequently asked questions.
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