Takeaway Insurance

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  • All trades covered from fish & chip shops to pizza delivery
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Why QuoteSearcher for Takeaway Insurance?

Owning and managing a takeaway or business comes with a unique set of positives and negatives. Lots of footfall, lots of different types of customer, and often close ties with the community are just a few of the highs of running a takeaway business.

However, there are challenges that come with such a volatile industry. Depending on the type of establishment you run, you could face late nights, unpredictable clientele and the numerous issues that come with preparing and selling hot food. You need to know you are covered against any situation that might arise, which is why having the best takeaway business insurance possible is integral.

At QuoteSearcher, we locate specialist brokers who can offer you a policy that covers all aspects of running a takeaway or fast food business. From food delivery car insurance, to liability cover against third parties, our brokers understand the unique challenges you face and how to protect you from them.

Policy Features

Public Liability

Protects you from legal claims made against you by a third party such as a customer due to negligence. Find out more about Public Liability.

Employers’ Liability

Covers medical and legal expenses of claims made against you by employees due to negligence. Learn more about Employers’ Liability.

Takeaway Driver Insurance

Takeaway drivers employed by your business are covered by this type of policy feature.

 

Buildings Insurance

Covers the cost of repairing or refurbishing your building because of vandalism, fire or flood damage. Read more about Buildings Insurance.

Contents Insurance

Covers the cost of contents in your building in the event of theft, fire or flood damage. Find out more about Contents Insurance.

Business Interruption Cover

Covers your income in the event of your business closing down operations due to unforeseen circumstances. Learn more about Business Interruption Insurance.

Beneficial Policy Features Explained

Takeaway Delivery Driver Insurance

It is vital for your delivery driver to be properly covered by your employers’ liability insurance. If they are injured or made ill while they are working for you, you will be liable for any compensation claims they make. Drivers themselves will need their own vehicle insurance, but their capacity as a delivery driver for your business should be covered by yourself as part of a fast food delivery driver insurance policy

Public Liability Insurance

This is particularly important for takeaway and fast food businesses. Dealing with food and drink brings a whole host of potential claims from third parties. A member of the public could be scalded by a hot drink that was not properly labelled, made ill from food that was not adequately prepared, or even something such as slipping over on a wet floor. In any of these events, they are within their rights to make a claim against you, and you need to be covered for medical, legal and compensation expenses

Employers’ Liability Insurance

In a similar vein to the public liability, employers’ liability insurance ensures your employees have a safe working environment. They can suffer the same potential problems as customers when dealing with hot food, with additional aspects like operating cooking appliances and machinery. If they become injured, they will need time of work, leaving both them and yourself out of pocket – employers’ liability insurance covers any costs that may be incurred

Buildings and Contents Insurance

In the event of a burglary, fire, flood, or storm for example, your business equipment (kitchen appliances, fridges, POS systems and furniture) could be damaged. Statistics suggest that a large number of businesses close down within 2 years of a fire, due to their building and contents not being adequately insured. You need to get your business up and running quickly after an event like this, and having everything protected as part of your policy is critical

Business Interruption Cover

Whilst buildings and insurance cover will pay out for the cost of bringing your physical location back to normal, the length of time your business is closed can have a serious effect on your income. Business interruption cover ensures you an income during this time, helping you stay on your feet until your takeaway is up and running again.

Frequently Asked Questions About Takeaway Insurance

    • Does takeaway insurance cover delivery drivers?
      Takeaway insurance covers many aspects of your takeaway business, and covering your delivery drivers is one of the most important. Takeaway insurance should include employers' liability insurance, which is vital for you and your delivery drivers. Should a delivery driver be injured or become sick while working for you, you could be held liable. Employers' liability insurance will help protect you, as well as your drivers.
    • Do drivers need separate insurance for takeaway delivery vehicles?
      While delivery drivers can be covered under your takeaway insurance policy, they very well may have to cover their vehicles on their own. Delivery vehicles are separate from the coverage provided to your employees, so it is important to make sure that both the drivers and their vehicles are properly insured. For more information, please contact your broker directly.
    • Can I get insurance for my takeaway shop?
      Yes, of course! Having takeaway insurance will help ensure that your business runs as smoothly as possible. Takeaway insurance can cover everything from delivery drivers to public liability insurance to business interruption coverage and buildings and contents insurance (in the case of burglary, fire, or flood). To find the takeaway insurance that is best for your business, please fill out our form and we'll take it from there.
    • Should I get business insurance for my food delivery service?
      Insuring any business, but especially businesses in the food industry, can help them to run as smoothly as possible. We strongly suggest purchasing insurance for your food delivery service, so that you are protected against any eventuality and do not have to pay completely out of pocket. For more information about insurance for your food delivery service, just fill out our form and we'll get back to you with competitive policies.
    • Which types of takeaway business are covered by insurance?
      Whether you own a fish and chip shop, have the best pizzas in town, or are the master of Asian takeaway, you can get takeaway insurance for your business. We will help you find the best insurance policy for your business, no matter what food you specialise in. Just fill out our form, and we'll take care of the rest, so that you can put all of your efforts into serving the best takeaway you can.

QuoteSearcher’s partners provided me with excellent cover for my insurance. I ended up saving a £100 on my previous years premium so I will be definitely coming back to QuoteSearcher next year!

Peter Moore – Basingstoke, Surrey

Thanks to QuoteSearcher I am now fully insured. After looking at all the quotes I received, I chose the right policy for me and was insured more or less straightaway!

Joshua Stevenson – Weybridge

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QuoteSearcher Limited is authorised by the Financial Conduct Authority. Our FCA registration number is 504796. This can also be checked by visiting www.fca.org.uk

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Our company registration number is 05387593 with our registered office at 8 Waldegrave Road, Teddington, Middlesex, TW11 8GT.