Our Solutions Take a Bite Out of Your Worries

We’ve listed some common insurance concerns most sandwich shops have, along with some ways we can partner to protect your business. When you’re ready to speak to an agent, find one near you using our Professional Locator.

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

Glossary

 

Your Worries	The Solutions
What you think about	How you can help yourself	How Nationwide can help
If the shop needs to close for some reason – such as a fire or storm damage – how do I continue to pay my employees and my bills?	Limited Service Food Safety Bulletin Ask your agent if this coverage is automatically built in to your policy Review our Disaster Planning Guide for Small Businesses	Business Income Coverage
What if my shop inadvertently sells contaminated food or drinks and my customers get sick?	Review Proper Food Handling and Storage Safety Bulletin Review Personal Hygiene for Restaurant Employees Safety Bulletin	Food Contamination Coverage
I have relatively high employee turnover. How can I make sure employees are knowledgeable about necessary safety precautions?	Review Proper Food Handling and Storage Safety Bulletin Review Cut and Burn Prevention Safety Bulletin
What if I use my car for my business to run errands or pick up supplies?	Review Driving While Distracted Safety Bulletin Review Driving While Fatigued Safety Bulletin	Business Auto Coverage
What if an employee burns himself on an oven or hurts his back lifting heavy boxes or bags of supplies?	Review our Safe Lifting Guidelines Safety Bulletin Review our Cut and Burn Prevention Safety Bulletin	Workers Compensation Coverage
What if a customer chokes while eating my food?	Review first aid training with your employees Hang posters describing the Heimlich maneuver in an easy to see location Review Restaurant Customer Complaint Guidelines	General Liability Coverage
What if my electricity goes out and my ingredients spoil?	Purchase a backup generator	Spoilage Coverage Business Income Coverage
What if my refrigeration equipment breaks down?	Refrigeration maintenance contracts Preventive maintenance	Equipment Breakdown Coverage
What if one of my delivery trucks gets into an accident?	Review Accident Procedures Safety Bulletin Review Business Autos for Personal Use Safety Bulletin Review Driving in Adverse Road Conditions Safety Bulletin Review Vehicle Skid Avoidance Safety Bulletin Review Driver Distraction Safety Bulletin	Business Auto Coverage
What if a power surge damages my computers and I lose important records?	Back up your information Keep backup offsite or in a fireproof safe	Electronic Data Processing Coverage
What if one of my employees steals from my business?	Review Hiring Practices/Employee Selection Safety Bulletin Consider background checks before you hire employees Establish an inventory control process Set up video surveillance	Employee Dishonesty Coverage
What if the shop is robbed or vandalized?	Review Crime Prevention Tips Safety Bulletin Install video surveillance	Crime Coverage
What if a fire destroys my accounting records?	Back up your files and keep the copy offsite Review Fire Extinguisher Selection and Use Safety Bulletin	Accounts Receivable Coverage
What if my outdoor sign is damaged in a storm or vandalized?	Maintain proper lighting Make sure your landscaping and outdoor sign receive regular maintenance Purchase a sign made to withstand local weather conditions	Outdoor Signs Property Coverage
What if a supplier’s business is damaged and can’t fill my orders?	Have a contingency plan in place for critical products	Business Income from Dependent Properties
What if a customer has an allergic reaction to one of my products?	Post a sign listing the ingredients on your menu Review Food Allergens Safety Bulletin	General Liability Coverage
What if someone throws rock through my café window?	Exterior Building Glass Coverage