Looking for Takeaway Insurance?
Not all superheroes wear capes, and when it comes to ordering a takeaway, it can be a real savour for some! If you’re providing people with takeaway food then you’re going to need some sort of takeaway insurance in place.
Whether you’re serving fish and chips, curry or you’re a late-night kebab house, you’ll want to make sure you’ve covered yourself financially if something should go wrong. Accidents happen, and even if you’ve taken every measure possible, you could find yourself facing extra costs – especially if you need to close for a while.
Who would need takeaway insurance?:
- Fish & chip shops
- Burger joints
- Fried chicken takeaways
- Sushi takeaways
- Indian takeaways
- Chinese takeaways
- Sandwich bars
- Cafés and restaurants
- Pizza takeaways
- Kebab houses
What kinds of takeaway insurance are there?
To make sure you have the right level of cover for your establishment, you might want to think about building a takeaway insurance policy from a number of different covers. From the people that work for you, to your customers, stock and premises, once you start noting your interests that need protecting, you’ll be able to better understand the risks associated with running a takeaway:
Protection for people – liability insurance
When it comes to the people going in and out of your takeaway, they generally fall within two camps – your employees and your customers. There are takeaway insurance policies available to protect both parties. For your employees you’re legally obliged to take out employers’ liability insurance, and for everyone else that comes into your takeaway, you might need to think about public liability insurance.
If an employee injures themselves whilst at work, they might want to claim compensation. Employer’s liability is a legal requirement to help you cover the cost of the pay out, as well as both sets of legal costs.
Customers are also at risk on your premises, for example; slipping, tripping or even having their property damaged, and again, might seek to make a claim against you, which could become very expensive if it goes to court. Public liability insurance is not a legal requirement but is designed to help you in the event of a claim.
Buildings insurance – cover for your premises
Takeaway insurance can also help to cover the property that your takeaway operates from. If you own the building then you might want to think about covering it in case of damage. With ovens and fryers operating almost constantly, there is an increased risk of fire – and if the building needed to be repaired or rebuilt, could you cover the cost? Including buildings insurance as part of your takeaway insurance can help cover you in case of:
If you’re a tenant, then your landlord should take care of this, but if you make any improvements such as a refitting the shop or installing a new kitchen, you’ll need to cover that in your own policy.
Using takeaway insurance to insure your contents
Imagine there was a fire which caused quite a bit of damage. Not only was some of the kitchen equipment damaged, but so was stock, things like boxes/cutlery, menus and even some furniture that was in your establishment – could you afford to replace it all?
Contents insurance helps you to cover the cost in case of accident, fire, theft or damage. If you’ve made any alterations to the premises, such as a new kitchen, you can also cover this under contents insurance too.
Financial cover for temporary closure
Takeaway insurance can ease the financial pressure if you need to cease trading for a period of time. Whether it’s for general repair or due to staff illness, business interruption insurance can offer you support if you were to unexpectedly close. It can help you pay for things such as:
- Bank loans
- Insurance premiums
Takeaway Insurance – Useful FAQs
That will depend on a number of factors including the type of takeaway, opening hours, location and previous claims, as well as the insurer.
If a customer breaks their ankle as a result of your business, then they might want to claim compensation. This could result in a hefty pay out, as well as legal costs for sides. Public liability insurance can help you cover these costs.