Takeaway insurance policies provide a single solution for fast food operators covering all your requirements under-one-roof. Core cover provides protection for business contents, fixtures and fittings (such as catering equipment and commercial kitchens) and stock.
In addition, the fast food policy will provide cover for your key legal liabilities, 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 for loss of profits following a claim.
The only areas of cover legally required to operate a takeaway are motor insurance, in respect of any vehicles used in connection with the business, and employers liability insurance. Employer liability provides cover for compensation claim awards and defence costs following injury or illness to employees as a result of their employment with your takeaway – 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. Public liability provides indemnity for claims received from customers, or members of the public, for injury or damage to property as a result of actions by you, or a member of staff, in connection with your business.
At Insync we provide cover for takeaway businesses of all shapes and sizes throughout the UK. Our dedicated insurance advisors make it their business to understand your specific risks and requirements.
We can compare prices and cover from up to 10 of the UK’s leading takeaway insurers saving you time as well as money!
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
Business Contents (specialist catering equipment & ovens)
Food supplies / stock and fixtures & fittings
Mobile catering & events
Signage & glass
Money cover including cash machines
Business Interruption (loss of profit)
Personal Accident & Assault options
We compare prices and cover from leading takeaway insurers
Instant quotations - cover and policy documents in minutes
Flexible cover & monthly payments – just pay for the sections you need
Expert advice from liability insurance specialists
Personal – Digital servicing AND your own dedicated insurance professional
A fire ignited in the kitchen of a fried chicken takeaway, quickly spreading through into the store room. Several pieces of catering equipment were deemed beyond repair and all stock was perished – total claim c£15k.
Whilst Takeaway Insurance cover can start as low as £150 (plus insurance premium tax) per annum, each policy is individually rated on it’s on 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
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 it is important that sums insured are adequate to reflect the reinstatement cost.
Improving security at the premises and good risk management can also reduce premiums, as well as considering different excess levels or removing unwanted cover extensions.
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