Takeaway Insurance

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Why Compare Cheap Takeaway Insurance With SimplyQuote

Anyone working in the hospitality and food industry knows just how stressful running a takeaway business can be. On top of stock control, employee management and delivering food, the last thing you want to do is spend hours searching for cheaper insurance cover, right?

That’s where SimplyQuote comes in – offering a streamlined solution for busy business owners. The online comparison tool quickly filters through the best insurance deals from leading UK insurers and presents you with the best options aligned to your needs.

The best news? The tool is 100% free to use!

What Do You Need To Get A Takeaway Insurance Quote?

Why Do You Need Takeaway Insurance?

What Does Takeaway Insurance Cover?

Takeaway shops are covered for many things, from employers’ liability insurance to business interruption cover.

Here’s what is covered:

Employer’s liability insurance

With employers’ liability insurance, your workers will be covered if they fall ill or get injured on the job. Beyond being a standard part of takeaway insurance policies, employer liability is also a legal requirement in the UK. This type of cover will be particularly useful if you have delivery drivers.

Building insurance

Building insurance covers the cost of repairing damage to your building’s structure and the various fittings and underground cables.

Contents cover

Natural disasters, fire, and theft can be a huge financial hit. With contents insurance, the fixtures, fittings, and operational equipment of your takeaway shop will be covered should they get damaged. This could even cover incidents where someone accidentally knocks over a piece of equipment.

Public liability cover

Public liability insurance covers the cost of claims if your takeaway shop causes injury, illness, or property damage. Unlike employers’ liability insurance, this protects a takeaway shop from compensation claims by members of the public who have been harmed in any way on your premises.

Product liability cover

Covers you in the event someone gets food poisoning or an allergic reaction to your food products.

Stock cover

Stock is a key part of any food business. If anything were to happen to your stock, your company might not be able to function at full capacity, which can lead to losses.

If items such as your prepared food, ingredients, and packaging are damaged, lost, or stolen, stock insurance can cover the cost of the loss and help you implement measures to prevent future losses.

Legal expenses cover

This type of insurance covers the costs when your shop is involved in legal proceedings, frequently involving employee and customer disputes, property damage, and compliance issues.

Business interruption cover

The unfortunate reality is that we can’t control the weather and most things that happen in this world. If an incident brings your operations to a halt, business interruption cover can keep your business afloat by helping you get back to your financial state before the incident.

Personal accident cover

In the unfortunate event someone – third party persons/staff/yourself – are injured while on the business premises, you will be legally and financially covered.

What’s not covered?

  • Normal wear and tear of the building/interior due to poor upkeep
  • Costs arising from negligence (e.g. leaving the cash register open and money being stolen)
  • Malicious damage by the takeaway shop owner (to claim insurance pay-out)
  • Delivery vehicles – you will need specialised vehicle insurance to cover the costs of vehicle repairs
  • Mechanical breakdowns – unless you have the cover added to your policy

What kind of takeaway shops does it cover?

Any business selling and delivering food can take out a takeaway insurance policy:

  • Kebab houses
  • Butcheries
  • Delicatessens
  • Sandwich bars
  • Pizza restaurants
  • Pop-up restaurants
  • Fish and chip shops
  • Curry houses
  • Cafés
  • Burger vans
  • Mobile restaurants/food trucks

What Add-Ons Are Available For Takeaway Insurance?

There are a few optional extras you can add to your takeaway shop insurance policy:

Tenant’s improvements

If you implemented any aesthetic or structural changes that are damaged through an incident such as fire or flooding, tenant improvements insurance can keep you covered. With this type of coverage, you must communicate these changes to your insurer as soon as they’re made.

Cyber attacks cover

Regardless of how big or small your business is, you aren’t immune to the possibility of cyber attacks. Cyber attacks target computer information systems to uncover and steal key information. Most insurers don’t offer this as a standard part of their policies, so asking for cyber attack cover might be a good idea.

Mechanical breakdown cover

If your deep-fat fryer breaks down, you’ll have no choice but to fix it, and if you’re not a mechanic, you might have a hefty bill coming your way.

Investing in mechanical breakdown cover is a good idea for businesses that rely heavily on equipment to fulfil their everyday functions. If your equipment unexpectedly breaks down, then mechanical breakdown cover can handle the cost of repairing it.

Delivery vehicle cover

If you employ delivery drivers, this is a good policy to add. It covers the costs of vehicle repair/replacement and may provide extra cover for delivery driver liabilities. If your business operations involve multiple drivers, you might be better off with commercial fleet insurance.

How Much Does Takeaway Insurance Cost?

How Can You Get Cheaper Takeaway Insurance Rates?

How To Compare Takeaway Insurance Quotes With SimplyQuote?

Comparing insurance quotes with SimplyQuote is simple:

  1. Fill in the short form: Tell us about yourself, your takeaway business and where you’re based.
  2. Select policy add-ons: Including which additional cover add-ons you want to include.
  3. Compare quotes: SimplyQuote is the perfect solution for finding the best takeaway insurance quote.
  4. Save money: Get the best deal today.
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Frequently Asked Questions

What is takeaway insurance?

Takeaway shop insurance is a type of business insurance specifically aimed at takeaway businesses. These policies are specifically designed to cover incidents that may occur during the takeaway’s day-to-day operations.

All food businesses come with many risks, and takeaways are no exception. Takeaway shop insurance policies can cover both internal and external operational incidents.

What are common food insurance claims?

Given the nature of the food industry, takeaway shop owners need to be prepared for the following types of claims:

  • Food poisoning: This is an event in which a customer falls ill after consuming an item prepared on your premises.
  • Food wastage: Instances during which food is no longer fit for consumption, largely after an issue related to storage.
  • Allergic reactions: There are many cases in which customers unknowingly consumed items without knowing what was in them, thus causing an allergic reaction.
Can you insure takeaway shop renovations?

If you’re renting a space, chances are that an insurer will cover any improvements made. This can cover both temporary and permanent renovations such as fixtures or alterations.

However, these have to be improvements made with your landlord’s permission. Additionally, a landlord’s insurance policy won’t cover the cost of reinstating improvements following a claim as they belong to the business owner.

Does my takeaway business need to be registered with HMRC?

Yes, you’ll need to provide your Employer Reference Number (ERN) – from the HMRC – to get takeaway insurance.