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These establishments sell bagels, bagel sandwiches, soups, salads, beverages and other deli-style foods for customers to carry out or eat at counters and tables located in the shop. They may also sell cream cheeses and bagels in bulk. Customers usually place orders at a front counter where workers prepare foods. Bagels and bread may or may not be baked on-premise.

General Liability Insurance for Bagel Shops – Bagel shops that have flooring defects or spills that cannot be immediately corrected should post warning signs that specifically describe the hazard. “Employees Only” signage should be posted to clearly separate work areas from customer areas. Customers may be burned from hot food and drinks, and appropriate warning labels should be used. Restrooms should remain sanitary and should comply with the ADA requirements.

Workers’ Compensation Insurance for Bagel Shops – Bagel shop employees should be thoroughly trained to use the baking and cutting equipment. If adequate training is not provided and safety is not used, then employees may be badly burned or cut as a result. Spills should be cleaned up immediately to reduce slip and fall hazards to employees. A written safety program should be in place and should be enforced by management.

Business Auto Insurance for Bagel Shops – If bagel shops offer delivery services, business auto risks will be significantly increased. Driver safety programs should be in place including recruitment, training, and ongoing qualification of driving records. Specific rules and policies should be enforced including the mandatory use of seat belts and prohibition of the use of controlled substances that can impair driving performance both before an during driving. All business vehicles should be regularly maintained and inspected.

Property Insurance for Bagel Shops – Fire is a major risk for bagel shops and a central station alarm system should be installed as part of a security system. The design, construction, and layout of the building is governed by local fire codes, which often follow national standards such as NFPA. Different fire resistive ratings expressed in terms of hours of protection are required for barriers between adjourning occupancies. Faulty wiring and malfunctioning baking equipment will increase fire risks. All equipment should be inspected regularly to ensure proper working order.

Crime Insurance for Bagel Shops – Bagel shops are at risk of robbery because they collect a significant amount of cash. An effective control is to make sure at least two employees are on duty at all times including the opening and closing of business. Dishonest employees may steal money or food from the shop. The amount of cash should be limited that is kept in cash registers. Daily bank deposits should also be made. Bagel shops that offer delivery services should make sure they have procedures in place to ensure checks and balances.