Takeaway meal with chopsticks

Takeaway & Fastfood Insurance

Our takeaway insurance provides a single solution for food businesses for public liability, products liability, business contents, fixtures, fittings and stock.

GET AN ONLINE QUOTE
TALK TO THE TEAM
Takeaway meal with chopsticks

Takeaway & Fastfood Insurance

Our takeaway insurance provides a single solution for food businesses for public liability, products liability, business contents, fixtures, fittings and stock.

GET AN ONLINE QUOTE
TALK TO THE TEAM

Repeatedly awarded the Platinum Trusted Service Award by Feefo for consistently delivering excellent customer service.

Get a quote and buy your policy online in minutes. No forms, no fuss and policy documents direct to your inbox.

Review prices from a panel of insurers in minutes, saving you time as well as money. Receive instant advice from our team of Business Insurance Experts.

What is covered with Takeaway Insurance?

Takeaway insurance policies provide a single solution for food businesses covering all your requirements under-one-roof. Core cover includes protection for business contents, fixtures, fittings and stock.

In addition, our food business insurance provides cover for your vital legal liabilities such as Public Liability, Products Liability and Employers Liability Insurance. Extensions and further benefits include money cover; signage, glass and shop front; legal expenses and business interruption to cover your fixed costs and for loss of income following a property damage claim where you are unable to trade (such as a fire or flood).

Takeaway meal with chopsticks

Insurance for Food Delivery

In most cases, your drivers will use their personal vehicles for deliveries. For this, they will have to make sure that their standard car insurance policy extends to food delivery use. However, if you are using multiple vehicles belonging to your business, Insync can organise motor fleet insurance for three vehicles or more.

We can also provide Public and Employers’ Liability for your delivery drivers in the event they or a member of the public is injured as a result of your business activities.

Products and public liability insurance for Takeaways

At Insync, your Products and Public Liability cover come together as standard.

While Public Liability covers you for injuries, illnesses and property damage claims caused by your business activities, Products Liability will cover you for the same risks specified to the products that you supply.

For instance, as a hot food delivery service, you accidentally send out some undercooked chicken that causes food poisoning, or an item on your menu does not have “nuts” listed as an allergen but due to cross-contamination causes an allergic reaction for a customer.

Sometimes the lines between a Public and Product liability claim can blur, especially in hospitality and catering businesses. This is why both come together in a neat package to protect your business.

Compare Food Business Insurance quotes

At Insync, we provide cover for food businesses of all shapes and sizes throughout the UK. Our dedicated insurance advisors make it their business to understand your specific risks and requirements to ensure you have the right level of cover.

We can compare prices and cover from up to 10 of the UK’s leading takeaway shop insurers saving you time as well as money!

Talk To The Team

If you would like to speak to a member of our Team to get a quote, please complete this form and we will be in touch.

Talk To The Team

If you would like to speak to a member of our Team to get a quote, please complete this form and we will be in touch.

Why choose Insync for Fast Food and Takeaway Insurance?

In today’s digital world, business has evolved, so why hasn’t your insurance broker?

We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Takeaways and Fastfood Restaurants throughout the UK.

Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!

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Fast Food Insurance

  • Specialist cover for all forms of fast food operators
  • Single or multiple location (franchisee experts)
  • Public Liability Insurance
  • Products Liability Insurance
  • Employers Liability cover for full or part-time employees
  • Kitchen & Food Delivery Insurance
  • Business Contents (specialist catering equipment & ovens)
  • Food supplies / stock and fixtures & fittings
  • Mobile catering & events
  • Money cover including cash machines
  • Business Interruption (loss of profit), following an insured event
  • Legal Expenses
  • Personal Accident & Assault options

Insync For Fast Food and Takeaway Insurance

  • We compare prices and cover from leading Takeaway and Fastfood insurers
  • Instant quotations – cover and policy documents in minutes
  • Flexible cover and monthly payments – just pay for the sections you need
  • Expert advice from liability insurance specialists
  • Personal – Digital servicing AND your own dedicated insurance professional

Frequently Asked Fastfood and Takeaway Insurance Questions

We have prepared a list of the questions we are regularly asked by Customers before and after buying a policy.

If you need further help we are always available.

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Whilst saving money is often a key driver when purchasing business insurance, it is equally important to ensure that cover is adequate for your needs.
Catering and kitchen equipment in fast food establishments is an expensive asset, and the sum insured must be adequate to reflect the reinstatement cost.
Improving security at the premises and sound risk management can also reduce premiums, as well as considering different excess levels or removing unwanted cover extensions.

Legally, you are required to have both Motor Insurance, in respect of any vehicles used in connection with the business, and Employers’ Liability insurance. Employers’ liability provides cover for compensation claim awards and defence costs following injury or illness to employees as a result of their employment with your business. For example, a shelf collapses onto one of your team in the stock room and breaks their arm.
Local authorities are also likely to request proof of Public Liability insurance as part of the licensing approval process.

While Takeaway Insurance cover can start as low as £150 (plus insurance premium tax) per year, each policy is individually rated on its own merits depending on the specific risks posed by your business.
Insurers will generally calculate their premiums dependent on:
● Location of the restaurant (postal code)
● Type of food sold and cooking methods used (e.g. use of frying ranges)
● Sums insured (contents, fixtures and fittings, stock etc.)
● Trading or industry experience and previous claims history
● Sections of cover requested

A fire ignited in the kitchen of a fast food takeaway, quickly spreading through into the storeroom.
Following the fire, inspectors found several pieces of catering equipment to be beyond repair, and all stock perished – a total claim of c£15k.