What does take away insurance cover?
When it comes to insurance for a takeaway shop, the covers you’re most likely to need relate to your liabilities – public, employers and product – and protecting your assets – equipment, stock and appliances.
Public liability for takeaways
Protecting you in the event of an injury, illness or property damage for a member of the public
Employers liability insurance
Offering the same protection as PL, only in relation to people who work for you including part time staff.
Food product liability
Protecting you where a customer claims to have become unwell as a result of eating your food.
Shop frontage cover
Particularly if you’re open late night, protect your glass and signage from damage or vandalism
While the world is increasingly cashless, operating a take away business means that on busy weekends, you could have significant cash on the premises.
Appliances and equipment insurance
Protecting you from costs where a piece of equipment breaks down or is damaged.
Stock cover including refrigerated goods
Protecting you from stock loss due to anything from a fire, flood, theft or a refrigerator failing and causing you to have to dispose of ruined stock.
Business Interruption cover
Protecting you from costs where your premises are damaged due to a fire, flood or similar, and you can’t trade from them while repairs are undertaken.