Yes, generally within your general liability. Confirm the limit is adequate for your volume.
Disclose it. Off-premises delivery and holding adds exposure beyond counter service.
Yes. Allergen cross-contact in prepared foods is a product claim, and preparation procedures are your defense.
Equipment breakdown covers repair plus spoiled stock, which can be substantial in a deli.
Slicer lacerations, by a wide margin. Workers' compensation covers them and guarding affects your loss history.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
