All businesses, whether large or small, will have some potential liabilities. Whilst the risk may be there, the likelihood, in percentage terms, is usually very, very low.
As and independent business insurance broker, our role is to discuss with customers what their potential risks are, and to arrange insurance cover wherever possible.
Some risks are uninsurable (ie shop lifting & damage caused by wear and tear or poor maintenance) whereas for most, if you are prepared to pay, risks are insurable.
The key is to ensure that your policy does take account of all of your business activities. When we are considering takeaway insurance, we need to think about the additional risks beyond those at the risk, or shop, address.
One of these is the public liability risk when undertaking deliveries. We are not talking about the motor insurance, but the risk of your delivery driver causing damage. You may not think there is a high risk but there have been a fair few claims for curry stains to carpets when a bag has split.
Some policies will only cover this risk if you get it specified on your policy, others will include it as standard. The two things to be aware of are first, that your policy notes that you do undertake deliveries and second, that your third party property damage excess is not too high. A reasonable excess is £100, some insurers increase these to £500 which in reality, makes the cover not worthwhile.
Speak to an independent insurance broker and get some good, free, professional advice.