Takeaway Insurance: What’s on the Menu?

At Coversure we offer a range of flexible policies that can cater for the needs of a wide range of food outlets. We will create cover to suit your business’s needs and ensure you have all the elements you need without paying for those you don’t. A typical takeaway insurance policy might include:

• Public liability – if your takeaway is responsible for causing injury or illness to a member of the public and they decide to take legal action against you, you’ll be glad you have public liability cover in place. It will help with the costs of mounting a defence and paying any compensation awards. It will also protect you against claims for damage or destruction of property while on your premises.
• Employers’ liability – if you have staff of any kind, you are legally required to have employers’ liability insurance in place. This cover will protect you against the cost of compensation or legal fees you may incur if your business causes injury or illness to its employee. Regardless if your employees are temporary, contracted, part or full-time, if you have employees of any kind, you’ll need this cover in place. It’s the law.
• Business interruption cover – if something catastrophic was to happen to your business - such as a fire or flood - and your takeaway was forced to close for a period of time, could you cope financially? With no income coming in and bills needing to be paid, would you be able to keep putting food on the table? Business interruption cover provides you with an income while your business is out of action, providing much needed peace of mind in a time of stress.
• Stock – it’s likely that in your takeaway you’ll have a quantity of highly perishable stock. Whether its frozen meat, fresh veg or anything in between, losing your stock means losing money. Ensuring your stock is covered means that in the event of a fire, flood or a power cut leaving your food unusable, you’ll be covered.
• Equipment – your equipment isn’t cheap and if something was to happen to your freezer, deep-fat fryer or pizza oven, you could be facing a hefty bill. Whether it’s damage or the tools of your trade are stolen, equipment cover will assist you with the costs of repair or replacement, allowing you to get back to business as usual sooner.
• Money – many takeaway owners don’t realise that money is rarely included as part of their standard contents cover. In a cash business such as yours, having money cover will protect your cash whilst it’s on the premises (whether that’s in or out of a safe) as well as when it’s on the move to and from the bank.
• Goods in Transit – the likelihood is that you’ll deliver as a takeaway and goods in transit is there to protect your drivers and their deliveries. Goods in transit insurance covers your deliveries, so if anything was to happen on the road you would be able to claim for damages