Takeaway insurance

Anyone who has been involved in the takeaway industry is well aware of the many risks involved and peace of mind that comes with the protection of the right level of insurance. From late night kebab houses to the local fish and chip shop to all manner of takeaway cuisines including Chinese, Indian, pizza and curry houses. By having takeaway insurance, you have peace of mind that you’ll be covered in periods of uncertainty and protection for your works and customers.

There are many elements of insurance that is extremely important when insuring a fish or kebab shop to ensure your business is fully protected. Public liability insurance is one of the important aspects of cover l to ensure nobody slips or trips in your shop. Cover levels can start from £1 million however majority of the insurers we deal with provide standard public liability of £2m or £5m, all depending on the insurer.

Your Chinese takeaway business will need public liability as standard and if you employ workers at your Chinese takeaway, whether these are employees, casual workers or temporary staff, you will also need employers’ liability. The cover will take care of claims that you may face if an employee becomes ill or injured as a result of working for your Chinese takeaway business.

Apart from the basics of employer’s liability and public liability, other aspects that may be included, or added, to your Indian takeaway policy include contents insurance, to protect any fixtures and fittings. Other options include equipment cover in case any of your food preparation equipment breaks down or is damaged and buildings insurance if you own the premises of your takeaway business.

If your pizza takeaway offers deliveries too, you may need to include delivery driver insurance to your pizza takeaway insurance, but usually, you will need to make sure that all of your drivers have separate motor vehicle insurance too.