Delicatessens

What Does GL Code 11288 Cover?

ISO GL class code 11288 covers delicatessens, which are retail establishments primarily engaged in preparing and selling ready-to-eat foods, sandwiches, salads, and often specialty grocery items. This code classifies operations involving food preparation, handling, and sales, including incidental dining areas. It is used for businesses where the primary exposure is related to food service and customer interaction within the premises.

Who Uses This Class Code?

This code applies to businesses such as traditional delicatessens, sandwich shops, gourmet food stores with prepared food sections, and small cafes that emphasize take-out or limited dine-in prepared meals. Specific examples include establishments like 'Joe's Deli & Subs,' 'The Gourmet Sandwich Bar,' and 'City Market & Cafe'.

Common GL Claims for This Class

Common GL claims for delicatessens include customer slip-and-fall incidents due to spills or wet floors, product liability claims from food poisoning or allergic reactions, and property damage caused by cooking fires or equipment malfunctions.

Coverage Tips for Code 11288

• Ensure your policy includes product liability coverage to protect against claims arising from foodborne illnesses or allergic reactions.
• Maintain strict food safety protocols and keep detailed records of food sourcing and preparation to mitigate product liability risks.
• Verify that your general liability policy extends to off-premises catering or delivery services if your delicatessen offers them.
• Be aware of Florida's 'slip and fall' laws; maintain clean, dry floors and clear pathways to prevent customer injuries.