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Insurance
If you aren’t sure if you need insurance or not, then you are not alone. So many…
24.08.2022
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Why choose Livingstones for your Takeaway Insurance
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Customer Rewards
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Customer Service
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
Monthly installments
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
Why do I need Takeaway Insurance
Satisfy legal requirements
As a food preparation and delivery service, you face several industry-specific legal requirements on top of standard UK business regulations. A single premium to cover all aspects ensures compliance across all issues.
Satisfy employee demands
In addition to protecting assets, takeaway insurance keeps employees covered in the kitchen and on the road. This is the least that they deserve when representing your business and can go a long way to keeping them happy and productive.
Satisfy your personal needs
When running a take away business, the last thing you need is to worry about whether an unforeseen issue could lead to financial problems and permanent closure. The right coverage is vital for you as a person as well as a business owner.
What do I need to know about takeaway insurance?
The answers to other issues related to take away insurance for food businesses.
A growing number of food establishments have added deliveries to their service in response to the pandemic. Take away insurance coverage can extend to businesses that now offer this as an additional service, or within a restaurant insurance plan
In short: yes. The comprehensive insurance coverage will include protection for cash that’s kept on site during peak times or overnight in the safe, as well as reimbursements for business interruptions and downtime
Yes. If this is required, some insurers will provide quotes that extend the protection to cover guest rooms and tenants at the same address as your takeaway or food preparation properties.
Yes. Takeaway insurance coverage can only be offered to registered companies that can supply their Employer Reference Number (ERN) at the point of application. So, you must be registered with HMRC.
Some of the issues covered by the insurance plan will fall under the category of claims that require a voluntary or standard excess. This rate varies from one insurer to the next but will be detailed clearly in the summary page.
The exact costs will depend on various contributing factors that will be added to your £5m standard liability insurance. However, with all plans tailored specifically to the needs of your business, you will get the best outcome.
Other things to consider
Working in the takeaway and food delivery sector present a wide range of assignments every single day while peak hours can be particularly hectic. By removing the distractions caused by insufficient insurance coverage, it will benefit the whole business.
- Take away insurance covers multiple areas, making life far more convenient
- The comprehensive food business insurance covers driver insurance
- Without insurance, various money borrowing doors may be shut
- Unprotected downtime at peak times could cost you thousands
- When you lose a customer to a rival, it can be hard to win them back
- Having insurance in place can inspire trust from new customers
- If you’re not covered, someone could try to take advantage
- The vast number of clients you support each weeks makes insurance essential
- The cost of monthly premiums will be tiny compared to potential damages
- Taking out multiple plans to cover each of the included areas will cost more
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