What is Takeaway Insurance?
Takeaway insurance is a tailored policy for takeaway restaurants, including various covers that are deemed appropriate for your business. It can include employers’ liability insurance, public liability insurance, premises insurance and more.
Whether you run an Italian pizza house, a Chinese takeaway, or a local fish and chip shop, ensuring your business has the proper cover is always important. As a takeaway owner, the safety of your business, staff and customers should always be considered a top priority, which is why you need to protect your livelihood from the everyday perils of running a business.
Quote Goat help you find low-cost takeaway insurance quotes without the usual hassle. Instead of ringing multiple providers to find a great deal, you can click the link at the top of this page, enter your details, and then speak to brokers to compare takeaway insurance prices.
Why Do You Need Takeaway Insurance?
Running a takeaway is always going to come with certain dangers and risks. It doesn’t matter whether you’re busier during the day or prefer to operate late at night because every takeaway in the country is susceptible to damage, theft and accidents.
Takeaway insurance will protect you from any unexpected events, financially covering your business in the event of a burglary, vandalism, fire or anything else that could prove disastrous to your income. Instead of feeling completely fried, taking out takeaway insurance means you can get back on your feet in no time.
The Key Features of Takeaway Insurance
Takeaway insurance comprises a range of policies and add-ons, allowing business owners to pick and choose what they’d like to include in their cover. The only insurance required by law is employer’s liability insurance.
However, most good takeaway insurance policies will include the following:
Public Liability Insurance
Hopefully, running a takeaway will mean you need to consider one crucial thing: customers. Public liability insurance protects you if a customer has an accident on your premises and will cover any compensation and legal costs involved.
Employer’s Liability Insurance
Employer’s liability insurance offers cover if a staff member sustains an injury or illness due to working for you. It is a legal requirement for businesses that employ any staff. Since it is unlikely that someone could run a successful takeaway by themselves, it’s fair to assume this includes you.
Business Interruption Insurance
In a worst-case scenario, damage to your property could result in your takeaway being unable to open. Business interruption insurance covers you for any loss of earnings within this time, meaning that such a disastrous event doesn’t completely ruin your livelihood.
Running a takeaway will require cooking equipment, fittings and furniture. Contents insurance will cover these in case of damage or theft.
Product Liability Insurance
Product liability insurance will cover any legal costs and compensation if a customer injures themselves or falls ill from eating your food. Since this protects you from the risks of food poisoning, allergic reactions and contamination, this should be considered a priority for all takeaway owners.
This will cover your takeaway in the event of any damage or vandalism to the structure of your property- such as the walls, floors and ceilings. If you rent the premises, then the landlord should deal with the building insurance.
Do You Need Insurance To Deliver Takeaways In The UK?
In a word: yes. Although the likes of Just Eat and Deliveroo have undoubtedly changed the fast food delivery game forever, there are still plenty of takeaways that continue to employ their own delivery drivers.
If that’s the case, you need to make sure that all drivers have the relevant fast food delivery insurance in place. Without the correct insurance, it’s illegal for them to deliver your food, and you could face prosecution if you haven’t carried out the proper checks.
Compare Cheap Takeaway Insurance Quotes Today
Running a takeaway comes with a host of dangers by handling, cooking, and selling food, and operating without the proper insurance isn’t worth the risk.
Fortunately, Quote Goat makes searching for insurance easy. All you have to do is click the ‘Get Quotes’ bottom at the top of this page, enter your details and discuss your requirements with insurance providers from the panel.
Instead of spending hours trying to find a low price, you’ll have more time concentrating on keeping your takeaway running safely and smoothly.