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Food business insurance
Compare food business insurance
Tailored cover for your food business
Compare from a panel of trusted insurers
We’ll help you get insurance that fits your business needs
We compare a vetted panel of trusted business suppliers
Bionic provides business insurance for small business, including hospitality
Get cover to protect against claims from employees, customers & more
Get the protection you need with no unnecessary extras that you don’t want
What is...
food business insurance?
Whatever ‘food’ you sell – or even if you supply ingredients to other vendors, there are risks to your business.
A customer might get food poisoning after eating or drinking something you sold them. You may have to close if your premises are flooded. And then there’s the risk of working with hot surfaces and sharp knives. Whatever the risks, you can’t eliminate them completely.
Having the right insurance for your food business can help protect it against unforeseen events and help give you a financial safety net in case you need to pay for damages, so you can focus on what’s most important — running your business.
What type of food businesses need insurance?
Whatever cuisine is on offer, from pancakes and crepes to Mexican tacos and homemade bakes, you’ll still need the right amount of insurance. We can help cover the following businesses:
- Restaurants
- Cafes
- Takeaways
- Kebab shops
- Bakery
- Ice cream shops
- Static food trucks/trailers (not motorised food vehicles)
- Burger shops
- Pizza shops
If you’re a food retailer or manufacturer we can also offer cover. Find more out today by starting a quote online, and our insurance team will be able to guide you through the process.
What types of insurance can food businesses get?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Public liability insurance
In case you injure someone or damage something while providing your services
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Product liability insurance
Covers you a customer claims a food or beverage item you provided caused them harm
Commercial building insurance
To protect business premises that you own, whether you're using them or renting them out to others
Equipment breakdown insurance
Covers the costs of repairing or replacing essential equipment in case of breakdowns.
Loss of license insurance
Protects your business if your license to sell alcohol or operate is lost for reasons beyond your control.
Why is food business insurance important?
No matter the type of food or drink you serve, if a claim is made against you, your bank account could be drained by compensation payments. So it’s important to get sufficiently insured against these risks and more:
- A customer gets food poisoning from food you’ve served
- A customer gets sick caused by cross-contamination
- An accidental fire breaks out in your kitchen
- A customer slips on a greasy floor, causing injury
How much does food business insurance cost?
Costs vary depending on the size of your business, where it’s located, claims history, and the policies you take out. The insurer you choose can also affect the cost.
Speak to a member of our insurance team to find out how much you can expect to pay for an annual package.
Are you covered for food poisoning?
You need to be wary of correct food storage, and preparation when you run any type of food business. But mistakes can sometimes happen. When they do, it’s best to have your back covered.
Public liability insurance can be included as standard in packages with Bionic. This could help cover compensation costs or any legal fees associated with customer claims for sickness due to food poisoning.
Remember, all insurance policies are subject to terms, conditions, and exclusions. It's important to make sure you understand what is and isn’t covered by your policy.
Why insure your food business with Bionic
Bionic is the comparison site for small businesses and we help and support in any way we can.
We work with a panel of trusted insurers, providing different types of cover that can be tailored to the exact needs of your food business.
We focus on getting you the right cover by carrying out a business insurance comparison to find competitive quotes that fit. Get in touch with us today by starting a quote online.
“Food businesses face real risks. The right insurance can protect your operations from kitchen to customer, ensuring your business keeps cooking."
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Food Business Insurance FAQs
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