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Compare takeaway insurance quotes

Running a takeaway can be stressful, it’s fast-paced and you never know what might happen next. Which is why having the right kind of insurance is vital because it can help minimise risks like stock loss or sudden closure. So, whether you own a local chippy, pizza place or late-night kebab shop, find out what you need right here. If you’re ready to compare takeaway insurance quotes, give us a call on 0800 188 4930 or leave a few details and we’ll call you back. Or read on to find out more about this type of cover.

3 min read

A man and woman at the counter of a takeaway cafe

What is takeaway business insurance?

Takeaway insurance isn’t a standalone policy, but rather a combination of different types of cover that protect your business against specific areas of risk, such as delivery cover or fire and flood repairs.

When putting together your policy, it’s worth considering the different scenarios that your business could face, and choosing the types of cover that best reflect your particular needs. It’s also worth bearing in mind that opting for a cheap takeaway insurance policy might save you cash up front, but it could cost you an awful lot more in the long run if you don’t have a sufficient level of cover in place – the important thing when taking out any type of business insurance policy is that it provides the correct level of cover for all eventualities.

Because of the bespoke nature of takeaway insurance, costs can vary depending your business and the options you choose, so it’s a good idea to not only prioritise what’s important to you, but also to compare quotes.

What is essential takeaway shop insurance?

No matter what sort of food you serve, some types of cover are essential when adding it to your takeaway insurance package, including:

Public liability cover

Public liability for takeaways is paramount because it covers the cost of compensation and legal fees if a member of the public takes you to court. You don’t need this by law, but it can provide vital protection in case an accident happens, and someone blames it on your business.

Employers' liability insurance

If you employ anyone (even part-time) that isn’t a close family member, then you’ll need employers’ liability insurance by law. It covers your business in case a member of staff becomes ill or is injured at work. If you need employers’ liability but don’t have it, then you could be fined £2,500 every day you go without it.

Product liability insurance

This covers the cost of claims made against your business if someone becomes ill through eating your food.

Contents insurance

Compensates for damages or theft of your contents which could include cooking equipment, fridge or freezer.

Stock insurance

This covers the cost of replacing your stock such as food, drinks and ingredients. Needless to say, you should try to be as accurate as possible when it comes to working out the value of what you own, or you could find yourself underinsured, which could affect your ability to make a claim. Also check whether your policy includes ‘deterioration of stock’ insurance, which compensates you if your stock spoils – for example if there was a power cut that meant you couldn’t store food properly.

What additional takeaway insurance cover should I consider?

Of course, it’s not just employees and stock you need to look after – you need to protect your premises and make sure you’re covered for unexpected events like a flood – think about:

Buildings insurance

If you rent your takeaway premises, then your landlord will usually be responsible for insuring the building along with any permanent fixtures and fittings but it’s always a good idea to double check so there are no nasty surprises.

Business interruption insurance

This is sometimes called ‘business income insurance’ and compensates you should you stop trading because of an insured event – like a fire or a flood. Depending on the terms and conditions of your policy it can help pay employees and provide you with an income while you get your business back on its feet.

How to compare takeaway insurance quotes

At Uswitch for Business we know how important it is to protect your livelihood which is why it’s vital to find a policy that meets your specific business needs. But we also understand how important it is to get good value – because you shouldn’t have to pay over the odds for great cover.

So, whether you run a pub, café or fast-food takeaway business, insurance is quick and easy to find when you let us do it for you. Just call us on 0800 188 4930 or leave your details at the top of the page and we’ll ring you back as soon as we can.

What is takeaway business insurance?
What is essential takeaway shop insurance?
What additional takeaway insurance cover should I consider?
How to compare takeaway insurance quotes

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