There’s no escaping the fact that Britain has well and truly embraced the takeaway culture. Whether it’s the odd take out coffee or a pizza on the way home from work, we all eat and drink out more than we probably realise.
Within such a competitive industry it is natural that takeaway owners should need competitive prices. We endeavour to find you insurance policies that encompass your needs, at the best possible price.
Takeaway insurance is a form of insurance that has been specially designed to provide cover for takeaway restaurants. This type of policy offers takeaway owners full protection against the many undesirable pitfalls that can befall their business.
As a result, takeaway insurance doesn’t simply cover the standard types of cover you would expect to find on a business insurance policy, but also includes cover against damages to equipment commonly used in takeaways and other small restaurants.
Ultimately, the policy is closely tailored to the needs of a takeaway’s primary assets and its risks, providing cover against physical items such as:
- Contents and stock, including perishable items and cooking equipment.
- Chiller units, including fridges and freezers
- Cooking equipment, including hobs, grills, microwaves and ovens
- Frozen food
- Stock in transit
- Glass counters and windows
Takeaway insurance is also designed with the smaller business in mind. As such it includes protection against potentially damaging business interruption, whether incurred by a third party or as a result of employee negligence. Protection against book debts and accountancy fines can also be covered in the policy, ensuring that minor errors that are often financially damaging to small businesses are less of an immediate issue.
Insurance Policies for Takeaway Restaurants
With a takeaway policy, businesses will also receive cover against money stolen on the premises, whether by burglars or employees. Keys to the premises are also covered against theft.
As with any business that serves food, takeaway restaurants have a responsibility to ensure that the food they serve is safe for public consumption. Takeaway restaurants are subsequently at risk from potential customer lawsuits, for example if a customer falls ill or is not satisfied with the business’s hygiene standards. Depending on your requirements your policy can also include cover towards any legal expenses that may be incurred.
For takeaways that serve food outside, special outside caterers extensions may also be useful and provide the necessary cover for these businesses. Takeaway vans, drinks bars and coffee stalls may fall into such a category and the policy will provide cover against any equipment and stock located outside of the premises. An outside extension will also afford the business owner with public, product and employee indemnity insurance.
Whether a takeaway business operates from a permanent premises or a mobile unit, we can help you find takeaway insurance that provides adequate cover for the business in the event of any costly issues that may arise.