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Demetriou Group
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Demetriou Group
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Delicatessen Insurance


Demetriou General Agency offers targeted insurance solutions for delicatessens through our Delicatessen Insurance program. With access to multiple national carriers, we help independent agents place Businessowners Policies (BOP), General Liability, Workers' Compensation, Business Auto, Property, and other essential coverages tailored to deli-style operations.

This program is built for deli and grab-and-go food operations that prepare items such as sandwiches, soups, salads, and pre-packaged meals. Typical applicants use limited cooking equipment (mainly ovens and microwaves) and do not perform heavy cooking, open-flame grilling, or deep frying. Whether your client runs a traditional neighborhood delicatessen, a gourmet sandwich shop, or a small takeout-focused café, our markets can provide solutions that match their exposures.

We accept standard ACORD submissions and recommend including complete loss history to accelerate underwriting. Our underwriting team works with agents throughout the placement process to secure the appropriate coverage for each account.

Ideal Accounts and Appetite

We partner with agents who place independent and small-chain deli operations, including:
  • Independent delicatessens and neighborhood sandwich shops
  • Gourmet delis with limited seating and prep space
  • Grab-and-go cafés or takeout-focused shops serving soups, salads, and prepared meals
Preferred accounts have minimal cooking exposure—no open flames, no deep fryers—and rely primarily on ovens or microwaves for food preparation.

Coverage Highlights and Advantages

Our Delicatessen Insurance program provides configurable solutions, including:
  • Businessowners Policy (BOP) combining property and liability
  • General Liability tailored for food-service risks, including foodborne illness liability
  • Workers' Compensation for staff exposures
  • Business Auto for delivery or pickup exposures
  • Property and equipment coverage, including refrigeration and prep equipment
  • Business interruption coverage to protect revenue during shutdowns
  • Spoilage and food contamination endorsements where available
These options address common deli exposures such as equipment breakdown, spoilage, slip-and-fall incidents, and foodborne illness claims.

Underwriting Notes and Minimum Premiums

Minimum premiums and eligibility vary by carrier and selected coverages. To obtain an accurate quote, submit complete ACORD forms along with up-to-date loss runs and details on operations (hours, seating, cooking equipment, delivery activity). Typical underwriting considerations include cooking methods, annual payroll and sales, number of locations, and prior loss history. Our underwriters are responsive and will help you determine fit quickly.

Territories and Availability

This program is available in:
  • Connecticut (CT)
  • Maine (ME)
  • Massachusetts (MA)
  • New Hampshire (NH)
  • New Jersey (NJ)
  • New York (NY)
  • Pennsylvania (PA)
  • Rhode Island (RI)
  • Vermont (VT)
We work with both admitted and non-admitted carriers to offer flexibility across these states.

Why Work With Demetriou General Agency?

As a Managing General Agency focused on small commercial risks, Demetriou General Agency offers:
  • Access to multiple national carriers and flexible market options
  • Competitive underwriting tailored to deli operations
  • Fast turnaround on submissions and responsive broker support
  • Experienced underwriting for foodservice exposures
Whether you are placing a single-location deli or a small multi-location concept, we work with you to find practical, cost-effective protection for your client’s risks.

Examples of Accounts That Fit

  • You might have a client operating a single-location, walk-in sandwich shop with 8–12 seats, no deep fryers, limited prep space, and annual sales under $1M — a typical fit for our BOP with liability and spoilage coverage.
  • A second example: a small gourmet grab-and-go deli that delivers local orders using one or two owned vehicles — this account could be placed with a BOP, business auto, and workers' compensation included.

Frequently Asked Questions

What types of accounts are a good fit for this program?

We target delicatessens and sandwich shops with minimal cooking exposure that primarily use ovens or microwaves. Ideal accounts include grab-and-go delis, small cafés, and gourmet sandwich shops.

What coverages are available through this program?

Available coverages include BOP, General Liability, Workers' Compensation, Business Auto, Property, and optional endorsements such as spoilage and equipment breakdown.

Which states is this program available in?

The program is currently offered in CT, ME, MA, NH, NJ, NY, PA, RI, and VT.

What is the minimum premium for coverage?

Minimum premiums vary by carrier and selected coverages. Submit complete ACORD applications and loss runs for accurate quoting and prompt underwriting.

How do I submit a risk for consideration?

We accept standard ACORD submissions. Include details on operations, equipment, payroll, sales, and loss history to help us evaluate the account quickly.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    Varies
  • Commission:
    Varies
  • Min Premium:
    Varies

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Demetriou Group has other insurance programs like Artisan Contractors Insurance.