Food business 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

No matter the size of your business, from home kitchens to multi-site premises, every business can benefit from the right protection. If you’re a food retailer or manufacturer, we can also offer cover. Find out more today by starting a quote online, and our insurance team will guide you through the process.

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. Food business insurance could help protect you from a wide range of risks, including the following:

• 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

Prices could start from around £1.61 per day*. 

Your food business insurance costs may 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.

_{*This price is for a pubs and restaurant policy – 10% of customers who were sold with one of our panel providers paid £588.20 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £49.02 a month or £1.61 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.}

Running a food business means having the right insurance in place, but managing these costs doesn’t have to be difficult. Here are some practical steps that could help you lower your food business insurance costs and help protect your premises, equipment and customers: 

• Demonstrate strong risk management - Keeping equipment well-maintained and regularly assessing potential hazards could show insurers that your food business is lower risk, which may help reduce your insurance costs. 
• Improve health and safety practices - From rigid hygiene routines to clear food-handling procedures, improving your health and safety practices could lower the likelihood of accidents or injuries on your premises. 
• Invest in better security - Installing safety and security measures such as fire alarms, extinguishers, CCTV and secure locks helps protect your premises and could reduce the likelihood of claims for theft, fire or damage. 
• Review insurance quotes regularly - Insurance costs can vary between providers. Comparing restaurant insurance quotes using a comparison service, like Bionic, each year helps you ensure you’re not paying more than necessary for coverage. 

Yes, we can provide cover for your home food business.  

However, it’s important to note that food business insurance isn’t the same as home food business insurance. Traditional insurance for different types of food businesses is for business who run from a commercial premises, and so it doesn’t cover home-based businesses. Home food business insurance is for individuals preparing and selling food from their own kitchen. It could help protect you from particular risks that come with running a business from home. 

Our insurance for home food businesses can be tailored to fit your needs. It could include public liability insurance, stock insurance, business equipment insurance, legal expenses insurance and more. Policies vary per provider, always check what cover is and isn’t included in your policy. 

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.

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  to compare small food business insurance by starting a quote online.