Business insurance for delis

You’re a neighbourhood local hotspot, offering some of the tastiest artisan produce around.

A favourite with the community, you’re a destination in your own right too. Charcuterie, cheese, pickles and pies – they’re your stock in trade. Or maybe you offer freshly-baked bread, 00 flour,  honey, organic coffee or tea. Whatever you’re selling, you source it with love – and take delight in sharing that special ingredient with your customers.

But in order to keep your business ticking over nicely, it’s important to protect it against everyday hazards and unexpected hiccups.

And that’s where AXA’s flexible business insurance for delis can come in.

What insurance do I need for my deli?

Every customer who comes into your shop, as well as every staff member you employ, is your responsibility. Which means if someone is injured on your property, you may be liable for costly claims. You’re responsible for every item you supply to your customers too – and any consequences that happen as a result of that. Public and product liability can offer you protection in these situations, by covering products that you sell or supply.

With public liability insurance, you’ll be protected against third party injury or damage – like a customer slipping on your floor, or possible damage caused when visiting a stockist.

As for staff, if you have employers’ liability insurance, you’ll be protected against expensive injury claims if a staff member falls ill or is injured as a result of working for you.

And there’s a whole raft of optional extras you can choose from – from contents insurance to cover the coffee machine and specialist equipment you use in-store, to van insurance cover, which might help if you deliver goods to customers.

How much does it cost?

Every company is unique. And because of that, so is their insurance – that’s why it’s hard for us to put a one-size-fits all price on cover. The quickest way for you to find out the right price for you? Get a quote online – it’ll only take a few minutes, and you’ll get a 10%* discount for buying through the website.

I sell goods online too. Am I covered?

With our product liability cover (included when you buy public liability insurance) you’ll be protected for damage or injury caused because of food products or packaging you supply, delivery or provide.

AXA’s contents insurance can help. With our goods in transit add-on, we’ll be able to help protect your stock in case it is damaged, lost or stolen once you’re out on the road for deliveries. You can choose this option whether you manage your own deliveries or use a third party provider.

Which additional covers are available?

Choose the covers that suit you and build your own bundle of insurance to suit.

*This discount is applied automatically and lasts for the lifetime of your policy.