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Takeaway & Fast food insurance

The United Kingdom has a large number of Takeaway establishments selling a wide variety of different cuisines for consumption away from the premises. Establishments include:

  • Fish & chip shops
  • chicken & rib shops
  • Pizza
  • Indian & Chinese takeaways
  • Kebab shops

What ever the style of food on offer, all Takeaways will have similar insurance needs that will require to be covered. Insurance for a takeaway is usually arranged on a package basis with a number of different sections.

Fire is a main concern for most proprietors of Takeaway establishments and this is just one of the perils that is included under policies wordings, other perils are fairly typical of a commercial policy wording. The policy wording that we sell has the benefit of having a single rating structure with no reference made back to the postcode of the property. Obtaining a quotation in most circumstances is quick and easy. As well as buildings insurance which can be extended to include full accidental damage cover, other sections of the policy will provide cover for contents, equipment and stock etc.

Contents Insurance

If you are renting the building that your takeaway is located in, then the contents section of the policy will include glass and damage to the shop front, something that the landlord will usually expect you to be responsible for. A valuable section of the policy includes cover for business interruption, if there is a serious event at the premises (such as a fire) often the business has to close for a while whilst the insurance company carries our reinstatement work. Even if this is for a short period of time, it can result in a loss of profits, which many businesses will find hard to make up.

Business interruption & Liability

Business interruption can help guard your income following a loss and there are also some valuable extensions to cover such as denial of access and failure of public utilities. Another of the core policy sections provides cover for public liability, employers liability and products liability. Products liability will provide an indemnity from claims arising out of the supply of goods, in the case of takeaways (or any establishment serving food for that matter), this usually relates to food poisoning. One fairly new add on is Commercial Legal Expenses insurance, this section can prove quite valuable to any busy take away proprietor, sections include, employment disputes and compensation awards, tax protection, contract disputes, health & safety, property protection, tenancy disputes and a 24 hour legal help line.

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