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Running a business where you serve people food often means exposing yourself to plenty of liability. This is as true for sandwich shops as it is for ice cream parlors.
If you want to make sure that your business remains safe even if something goes wrong, you’ll need to have the right insurance policy.
This article explores all about butcher shop insurance, cost for the coverage, policies and the best companies offering the policy.
Liability insurance, primarily offered as general liability insurance, is a type of insurance designed to pay for costs when you’re held liable for damages sustained by someone else.
Butcher liability insurance can also pay out if someone ends up sustaining property damage while they’re at your butchery shop.
Additionally, general liability insurance for butcher shops doesn’t only take care of property damage or personal injuries. It has add-ons that cover other claims from third parties.
Again, public liability insurance also covers claims from third parties who file a personal injury claim and property damage claim against your business. Its basic function is similar to general liability insurance.
However, you should understand that compared to general liability, public liability insurance can’t be added with rented premises liability coverage or advertising injury coverage.
Product liability insurance will take care of attorney fees, compensatory payments, and other legal expenses when a client files a claim because your butcher shop delivered low-quality meat which resulted in food poisoning and other illnesses.
Note that some carriers underwrite product liability insurance as an add-on to general liability insurance.
Commercial Property Insurance for Butcher Shops
You spent a lot on your butcher shop and imagine how much you’ll lose if something happens to it. A fire or extreme weather might destroy your butcher shop.
It’s also possible for vandals, thieves, burglars, fire, and extreme weather to damage its structures. And so, get commercial property insurance that provides protection against:
Building Destruction;If fire or extreme weather destroys your butcher shop, commercial property insurance will reimburse your losses up to the value of the building destroyed so that you can have it rebuilt once again
Invest more on premiums an enjoy the additional protection these inclusions to commercial property insurance provides:
| Coverage | Function |
| Stocks and Contents Coverage | Unsold meat as well as office furniture, documents, and other valuable items will become damaged or lost due to fire, theft, vandalism, and other covered perils. |
| Business Equipment and Tools Coverage | Inside your butcher shop are expensive equipment or tools such as meat grinders, meat cutters, meat slicers, refrigerators, and more.
When these become damaged or lost due to fire, theft, vandalism, and other covered perils. |
| Food Contamination and Spoilage Coverage | Food contamination coverage will cover losses if the meat in your butcher shop is spoiled due to power outage, mechanical breakdown/failure, employee oversight, or equipment breakdown/failure.
On the other hand, Food spoilage coverage will cover PR costs, replacement of contaminated stocks, and cleaning of contaminated equipment |
As a butcher, you may need more than just liability insurance,BOPs usually feature two components, general liability insurance and commercial property insurance policy.
Options for BOPs vary per carrier, and that’s why you must compare quotes to find the best butcher insurance coming in the form of a business owner’s policy.
Most insurance companies decide to offer BOPs to butcher shops as they already have the useful coverages needed.
Get all the best quotes from leading providers in a click of a button!
You can’t run a butcher shop without employees. And it’s your butcher shop’s job to look after the individuals who make sure that business operations run smoothly, goals are reached, and income is generated.
Injuries are very common in butcher shops. Workers might contract a disease due to an unclean work environment. But most of the time, hazards employees face are amputations, cuts, and lacerations sustained while processing meat or cleaning cutting machines.
If an employee gets injured due to work, it’s your butcher shop’s job to take care of the resulting expenses.Workers’ compensation covers the following:
| Coverage | Function |
| Employee Treatment/Medical Procedure | workers’ compensation insurance is to cover the expenses of the medical treatment or procedure your injured or sick employee needs |
| Hospitalization | workers’ compensation insurance is to cover the employee’s hospitalization |
| Medication | Workers’ compensation insurance also functions to cover the expenses for the medication your employee needs |
| Rehabilitation | It also covers expenses if your employee needs rehabilitation to fully recover from his work-related injury or sickness |
| Lost Income Compensation | It’s also the job of workers’ compensation insurance to compensate for your employee’s lost income. is equal to two-thirds |
Get all the best quotes from leading providers in a click of a button!
Butchery insurance is usually similar to butcher shop insurance, but it can sometimes apply to larger businesses depending on where you purchase this coverage. Some companies will sell a separate butchery insurance policy for slaughterhouses and large-scale meat processing operations.
This usually means that the insurance will have a higher coverage limit and that it will probably be more expensive because of what we mentioned earlier.
Large businesses require larger insurance premiums because of the risks involved in working with them. However, in some cases, butcher shop insurance and butchery insurance terms pertaining to the same insurance product
The cost of butcher shop insurance is dependent on a wide range of factors, and it tends to be a little pricier than other kinds of business insurance for a few different reasons.
The first reason is that you’re selling things that people consume, which automatically makes you a bit more of a risk to an insurance company.
The size of your butcher’s business is one thing that you’ll have to consider when buying insurance.In addition, you’ll also want to consider your history in the butchery industry.
Get Qu
CoverWallet is an insurance broker that helps you find the best butcher shop insurance within minutes.
Visit this company’s website and use its online quotes comparison platform to get the quotes of insurance companies offering comprehensive coverage for butcher shops. Additionally, you can manage insurance purchased via the MyCoverWallet app or website.
Average cost: $32 per month
Our rating: 10/10
NEXT’s tailored butcher shop insurance includes workers’ compensation insurance, general liability insurance, commercial auto insurance, and commercial property insurance.
NEXT is known for its heavily digitized and streamlined insurance process. All transactions are done via the NEXT app or website. You don’t need to go to any NEXT office to pay premiums, file a claim, and cancel a policy.
Average cost: $35 per month
Our rating: 9/10
Progressive doesn’t offer a specific policy for butcher shops, but they allow you to get covered under their general business insurance policies.
These are pretty standard BOPs that allow you to combine liability coverage with commercial property insurance, so don’t expect many add-ons that cater to the butchery industry in particular.
Average cost: $37 per month
Our rating: 8/10
AXA offers insurance for butchers under its Butchers and Fishmongers policy. In most cases, these policies include product liability cover , contents cover, and employee liability cover. Optional extras include van insurance and public liability coverage.
Average cost: $40 per month
Our rating: 7/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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