How Nationwide Stacks Up for Sandwich Shop Insurance

You probably have questions about the best ways to protect your sandwich shop. Here are some of the most commonly asked questions related to business insurance for your specific needs. Contact a Nationwide agent to help answer additional questions.

(Please note all coverage may not be available in all states.)

Q: How does Nationwide understand that sandwich shops are different from other businesses?

A: Food is your business. So any kind of spoilage or contamination of your stock can be very harmful to your bottom line. And the equipment in your kitchen – from slicers to freezers – are the tools of your trade. When they stop humming, so does your business.

We understand that while you are a restaurant owner, your sandwich shop is very different from those full-service places that have menus as long as your arm. That means your insurance needs are different, too, and so it shouldn’t cost as much.

Q: What specific coverages do sandwich shops need?

A: Sandwich shops need:

• Building and Contents Coverage
• General Liability Coverage
• Equipment Breakdown Coverage
• Spoilage Coverage
• Business Interruption Coverage
• Food Contamination Coverage
• Business Auto Coverage
• Business Umbrella Coverage

Q: Does Nationwide offer these coverages?

A: Yes

Q: Can Nationwide meet all of my insurance and financial needs?

A: Yes! We offer a full range of personal and business insurance products. We also offer financial services, mortgage and banking services. This means we can cover your home, personal autos, business vehicles, workers compensation, life insurance, business property and liability, personal and commercial umbrella, mortgages and investments.

Q: If I have several locations, do I need to have several policies?

A: No, Nationwide can insure all of your locations on one policy, saving you money.

Q: How is Nationwide rated and what does this rating mean?

A: Nationwide is rated A+ (Superior) by A.M. Best, an independent insurance benchmarking group. The superior rating is assigned to companies that have a superior ability to meet their ongoing obligations to policyholders.

Q: What can you do to help me as my business changes?

A: We offer periodic insurance reviews called business CARE Reviews. CARE reviews are triggered by opening a new location, adding on to existing space, starting to offer higher value food, changes in the industry from court rulings, when a claim has been made and at renewal time. All of these moments have insurance coverage implications, and we want to make sure you are adequately protected.

Q: How can I find a Nationwide agent?

A: By using whatever method works best for you:

• Use our Agent Locator
• Look us up in the yellow pages
• Ask a friend or business associate for a recommendation