Specialist UK Takeaway Insurance

We provide expert cover for fast-food and takeaway outlets in the UK

Takeaway Insurance – What Is Covered?

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.

Is Takeaway Insurance Compulsory?

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.

Compare Fast Food Insurance Quotes

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!

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


  • 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

  • Goods-in-transit

  • Money cover including cash machines

  • Business Interruption (loss of profit)

  • 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

  • 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

Takeaway Claims Example

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.

How Much Does It Cost to Insure a Takeaway?

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

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 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.


What to do now...

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

t. 01200 309516
e. This email address is being protected from spambots. You need JavaScript enabled to view it.

© 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 Midland House, 2 Poole Road, Bournemouth, Dorset BH2 5QY 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