You need to compare takeaway insurance quotes to make sure you’re properly protected when the chips are down.
Whether you run an Italian pizza house, Chinese takeaway or a local fish and chip shop, it’s always important to ensure your business has the proper cover in place. 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 effective, low-cost takeaway insurance quotes without any of the usual hassle. Instead of ringing multiple providers to find a great deal, you can just click the link at the top of this page, enter your details, and then speak to brokers to compare takeaway insurance prices.
Why 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 if you 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, making sure your business is covered 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 is made up of 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, so you should be able to find cheap takeaway insurance that’s tailored to your business.
However, most good takeaway insurance policies will include the following:
Public Liability Insurance
Running a takeaway will probably result in one very important thing: customers. Public liability insurance makes sure you’re protected in case a customer has an accident on your premises, and will cover any compensation and legal costs involved.
Employer’s Liability Insurance
This is a legal requirement for businesses that employ any staff. Since there’s no way someone could run a successful takeaway by themselves, it’s fair to assume this includes you. Employer’s liability insurance offers cover if a member of staff sustains an injury or illness as a result of working for 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 involve vast amounts of cooking equipment, fittings and furniture, and contents insurance will ensure these things are covered in case of damage or theft.
Product Liability Insurance
If a customer injures themselves or falls ill due to eating your food, product liability insurance will cover any legal costs and compensation. 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 simply rent the premises, then the building insurance should be dealt with by the landlord.
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 out there that continue to employ their own delivery drivers.
If that’s the case, then you need to make absolutely sure that all drivers have the relevant courier insurance in place. Without the right insurance, it’s illegal for them to deliver your food, and you could end up being prosecuted if you haven’t carried out the proper checks.
Compare Cheap Takeaway Insurance Quotes Today
By handling, cooking and selling food, running a takeaway comes with a whole host of obvious dangers, and operating without the proper insurance just isn’t worth the risk.
Fortunately, it’s now easier than ever to compare takeaway insurance quotes and to find a great deal, because Quote Goat is here to take the stress out of price-spying. All you have to do is click the ‘Get a Quote’ tab at the top of this page, enter your details and then speak to our brokers all about the great deals currently available!
Instead of spending hours trying to find a low price, now you’ve got more time to concentrate on keeping your takeaway running safely and smoothly.