via menshealth.com

Are you thinking of opening a deli in New York? A food store can provide a valuable service to the local community while offering a pleasant way to make a living. Owning a deli is no walk in the park, however: it entails hard work, long hours, complying with countless public health regulations, and managing staff and (we hope) a multitude of customers. New York business insurance products can protect the deli owner from some of the risks of running a business of this type. 

Business insurance for a deli may include general liability, building and contents, business interruption, equipment breakdown, workers’ compensation, employee dishonesty and business auto protection. Insurance for workers’ compensation is mandatory for New York businesses with one or more employee; and if you run a company vehicle you may need commercial auto coverage. 

It’s vital to protect investment in a deli business by carrying building and contents insurance to cover the risk of damage to the deli premises by fire, vandalism or other insured peril such as a weather disaster. A New York deli owner should also consider carrying business interruption insurance which provides compensation for loss of income if the deli has to be temporarily closed or relocated as a result of insured damage to the business assets.

An insurance agency can provide a valuable service to the owner of a new deli business. Engaging a friendly local insurance agent who is familiar with the risks faced by New York businesses and who knows all about New York business insurance can help a deli owner to find the most cost effective protection from the financial consequences of disasters and accidents. With Schmutter, Strull, Fleisch, Inc., you can get the coverage you need for your small business. Contact us today for more information!

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