Businesses of all types have developed over the years and the same can be said for the protection products (insurance) that have been produced.
In the sixties and seventies, in the UK, it was a real treat to actually go out and eat somewhere that was a) not someone else’s house and b) outside on a tartan rug or a beach. Going to a restaurant was a once a year event, if that. Nowadays though eating out in a restaurant or buying food from a takeaway outlet is something that we are all used to, whether we like it or not.
As businesses have grown and the number of food serving establishments have grown, so has the need for products such as takeaway insurance policies.
Most commercial insurance policies provide two, very broad, types of cover. Liability insurance and business assets (buildings, contents and stock) insurance.
If you have a takeaway and need to arrange a policy, you want to make sure that you have some of the covers that are sensible to have. We are not saying that only you will need them as they may apply to other similar businesses. For example, you need to think about shop front glass cover, malicious damage to shutters, public liability, commercial legal expenses and even equipment breakdown cover.
The best way to get the correct policy you need is to speak to an independent business insurance broker. The key is that they are independent, if not you will not be getting a fair quote from a number of insurers.