Takeaway & Fast Food Insurance

We provide expert business insurance for fast food and takeaways in the UK

What is covered with Fast Food 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).

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!

Need specialist Takeaway Insurance advice?

Speak to one of our Takeaway insurance experts, at a time that suits you...

or call us directly on

01200 309 516

TAKEAWAY INSURANCE COVER

  • 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

Why Insync for Takeaways

  • We compare prices and cover from leading takeaway insurers

  • Instant quotations - cover and policy documents in minutes

  • Specialist commercial insurance brokers with a panel of leading liability insurers

  • 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

FAQs for Takeaway Insurance

HOW TO SAVE MONEY ON FAST FOOD INSURANCE?

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 sums 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.

IS TAKEAWAY INSURANCE COMPULSORY?

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.

HOW MUCH DOES IT COST TO INSURE A TAKEAWAY?

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

WHAT IS AN EXAMPLE OF A TAKEAWAY CLAIM

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 was perished – total claim c£15k.

HOW TO SAVE MONEY ON FAST FOOD INSURANCE?

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 sums 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.

IS TAKEAWAY INSURANCE COMPULSORY?

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.

HOW MUCH DOES IT COST TO INSURE A TAKEAWAY?

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

WHAT IS AN EXAMPLE OF A TAKEAWAY CLAIM?

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 was perished – total claim c£15k.

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Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX

t. 01200 309516
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© Insync Insurance Solutions Ltd 2020 All rights reserved. Insync Insurance Solutions Ltd is authorised & regulated by the Financial Conduct Authority where our reference number is 766691. Our registered office is 2nd Floor, 50 Fenchurch St, Tower, London EC3M 3JY and we are registered in England under company number 08810662. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 | www.financial-ombudsman.org.uk | Privacy Notice | Terms Of Business