If your business has a food delivery service, business insurance will only cover the food being delivered, not the vehicle. In this case, you may need additional food delivery insurance or standard third-party cover. 

This provides cover for the delivery driver and vehicle delivering the food against car accidents. It normally costs more than standard car insurance because the drivers are likely to be out at busy times of the day, which creates a higher risk of incidents. 

If your business sells alcohol of any kind in the UK, you need a premises license and at least one designated supervisor with a personal license. This allows an employee to sell alcohol on behalf of any business that has a premises license. This is not the same as business insurance and is something you need to arrange separately with the UK government. 

Read more about business licenses in this guide.

Frying chips, nuggets and other food items cause extra fire risks so you need to tell your broker if you use deep-fat fryers in your kitchen and make sure cover is included in your policy.  

Getting cover for deep-fat fryers might increase the cost of your insurance, but it’s important to have the right level of cover to protect your business.

If you take out business interruption as part of your business insurance package, then it should cover ongoing costs in certain circumstances. For example, if a fire or flooding causes damage to your property and forces you to close and stop trading temporarily, business interruption insurance can cover the loss of income or profit, but you would also need to consider your building cover, stock and contents cover to ensure the repairs are also insured.