Takeaway insurance
Who it’s for
Any business premises, whether a high street retailer or within a shopping mall, that sell food that is cooked on site, for customers to sit in and eat or to take away will have a requirement for takeaway insurance.
Wherever in the world your type of cooking originates, whether this is Indian, Italian, French, Chinese, Bangladeshi, Cantonese, Taiwanese, Japanese, Spanish, American, Mexican, Portugese or Thai, we can get the right business insurance policy for you. We can also get quotes for cafes, coffee shops and sandwich bars.
It doesn‘t matter whether the food is hot or cold, we have the perfect choice for you. The only requirement is that over 50% of your financial turnover needs to be derived from take away food. If this is not the case, then you will need to get a separate (although very similar) restaurant insurance policy.
Please note that we cannot provide motor insurance for takeaway delivery vehicles. Public liability insurance for deliveries is usually included under the package policy. However, motor insurance is not available from Buusinessinsure.
Why it’s important - examples
Anyone in business will know the importance of arranging adequate business insurance. Whether this is for legally required cover or not, it is always sensible, and prudent, to protect yourself fully.
There are many types of claim you could face. This could be against your pysical business assets, such as a break in or smashed shop window. Or it could be a liability insurance claim, if an employees is injured or a customer slips, trips or falls on your premises. You could also have a claim for many other events, such as stolen cash, business interruption, goods in transit or accidental damage to portable electronic equipment such as a laptop or smartphone.
Luck won‘t help you when you are faced with a claim for thousands and thousands of pounds. Buy yourself a quality takeaway insurance policy instead.
It does not need to be expensive, if you give Businessinsure a shot, you may be surprised at just how much we could save you.
How businessinsure can help
There are some commercial insurance companies that don‘t like to offer takeaway policies. Each insurer has their own likes and dislikes as far as what types of business they will cover are concerned.
Some will cover takeaways, but they may charge higher premiums or they could have very onerous terms, which require you to do a lot before cover will operate.
As an example, they may state, in the policy wording, that you have to clean all of your ducting and extraction units, pipes and equipment. In some cases, where this is built into the building you may not be able to comply.
But, for every insurer that doesn‘t want, or doesn‘t like, this type of cover, there are others that do. This is where we fit in, we know exactly which insurers to approach and we can get you quotes, and cover if required, very quickly.
Let us speak to the right insurer and get you the best price.
Monthly instalments are always available for all our takeaway insurance products. Usually these are payable over ten months after the application of a 5% credit charge. Instalments will be arranged via a third party premium finance house.
More information
All of the commercial insurance companies we deal with, for takeaway insurance, have their own bespoke policies. They are packages that include the main types of cover that a takeaway business may require.
These will include:-
Chinese takeaways, Indian takeaways, Kebab shops, Pizza Shops, Coffee Shops, Sandwich Bars and all other types of takeaways.
All other types of takeaway and restaurants that also offer a takeaway service, including home deliveries.
If you cook food that I can walk in and eat, or takeaway and eat, then let us get you the best quote.
All insurers offer different covers. They are all based on the same skeleton business insurance package. Most will include the following types of cover:-
Business contents, including accidental damage.
Stock
Business buildings insurance
Employers, public and product liability
Money
Business interruption
Goods in transit
Commercial legal expenses
Any quote we give you, we will provide you with a full written confirmed quote. You can then review this and be clear on what cover you have and the terms, conditions, excesses and warranties that apply.
Quoteline: 08456 024 589 (local call rates apply)