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What is takeaway insurance?
Running a takeaway business involves lots of different activities. Cooking and serving food, managing staff, observing hygiene rules, running delivery vehicles and owning or managing your property. Many aspects of running a takeaway business can leave you exposed to risk. This is why it is vital to have the right takeaway insurance in place.
If anything goes wrong, your insurance policy will cover you. You can run your business with peace of mind that if a claim is brought against you, or an accident or damage occurs, you won’t be left out of pocket.
Who needs takeaway insurance?
If you run a business which serves food to the public, you might consider taking out takeaway insurance. This will include businesses like:
- Fish and chip shops
- Kebab shops
- Pizza delivery
- Curry house
- Chinese restaurants
takeaway insurance cover include?
Running a takeaway means you need cover for a variety of different situations.
Public liability insurance will cover you if a member of the public is hurt or has an accident on your premises, or as a result of using your service. If a member of the public brings a claim, this policy will cover the associated costs. The cover is available from £1million up to £5million.
Serving food to members of the public always carries the risk that it could make someone ill. If this happens, product liability insurance should protect you against claims made due to products you have served.
If you have staff working for your takeaway business, you need employer’s liability cover in place. If a serving or ex-employee brings a claim against you for an accident in the workplace or is hurt or damaged while at work, employer’s liability insurance will cover the costs of the claim or any compensation ordered.
Buildings and contents insurance
Your takeaway or catering business may own a lot of expensive equipment. If it were stolen or damaged, your business could fold if you cannot meet the costs of replacement or repair. Contents insurance covers you against these risks. If you own your premises, buildings insurance will protect you if the fabric of the building is damaged.
Takeaway delivery driver insurance
As many takeaway shops also offer a delivery service, you might need driver’s insurance. This will protect you in the event of your drivers being involved in an accident or causing damage to third party property.
What is business interruption cover?
If you are unable to trade for a period of time, business interruption cover can help you continue to meet your costs. For takeaway businesses, this can be useful if you are forced to close for any reason, for example, fire or illness.
How much does takeaway insurance cost?
The cost of insurance will vary depending on a number of factors. Shop around and compare quotes from a range of different providers. Insurers will calculate the cost of your policy based on the type and location and size of your business.
Do I need takeaway stock insurance cover?
Running a takeaway business can involve holding food stock. If your stock is damaged, for example by flooding or fire, this can be costly to replace and could mean you are unable to trade. Stock insurance covers the cost of any stock you lose in these circumstances.
Do pizza delivery drivers need special takeaway insurance?
Yes, you should make sure if your business has delivery drivers that they are covered by your takeaway insurance policy. Check with your provider that your policy is the right one for your circumstances.
What type of insurance protects me against claims for food poisoning?
Serving the public food can, unfortunately, mean that someone is ill as a result of food poisoning. Having product liability insurance cover will protect your business if someone makes a legal claim against you for making them ill by serving contaminated food.