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Takeaway Insurance
Compare insurance for takeaways
Tailored insurance for takeaways
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Bionic provides business insurance for small business, like takeaways
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Get the protection you need with no unnecessary extras that you don’t want
What is...
takeaway insurance?
Takeaway insurance is a tailored business insurance package for takeaway shops and fast-food restaurants and it includes a range of covers that protect the business from various risks. Oily floors, food poisoning, fires and handling cash all present risks for employees, customers and your business. That’s why it’s best to have your back covered, just in case the worst should happen.
Having proper cover in place could protect you when things go wrong and could save you a lot of money if a claim is made against you.
Takeaway insurance protects your premises, your employees and your customers, providing peace of mind so you can focus on what’s most important — serving your customers.
Why do you need takeaway insurance?
The nature of running a takeaway comes with lots of risks for you and your customers.
- A customer gets food poisoning from the food you’ve provided
- Accidental fires caused by fryers
- An employee suffers a bad burn during a shift
- A customer slips on a greasy floor and injures themselves
Not only do you need cover to protect your staff, but also your customers, your premises and your bank account. Without proper cover, you could end up paying out of your own pocket if someone makes a claim against your business or if you need to make a claim.
What type of takeaways does this cover?
Takeaway insurance covers most takeaways, no matter your cuisine. Here are some examples:
- Kebab shops
- Pizza shops
- Fish and chip shops
- Chicken shops
- Indian takeaways
- Chinese takeaways
Takeaway insurance is not suitable for restaurants and cafes that allow customers to eat in. So if you’re takeaway has seating or you offer table service for customers to eat in then you’ll need a cafe or restaurant insurance package instead. This is better tailored to the risks of having an eat-in service.
What cover do you need for a takeaway?
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 takeaway insurance package could include:
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.
Public liability insurance
In case you injure someone or damage something while providing your services
Product liability insurance
Covers you a customer claims a food or beverage item you provided caused them harm
Stock and contents insurance
Provides cover for food and beverages, fat fryers, grills, fridges and dishwashers against theft, fire or flood
Commercial building insurance
To protect business premises that you own, whether you're using them or renting them out to others
Tenant’s renovations
Protection for leased buildings, if you’ve invested in interiors. Your landlord is only responsible for the building.
Find out why your business needs insurance from Les, our Business Comparison Expert.
What are some common food insurance claims for takeaways?
Accidents can sometimes happen. Some of the most common claims from customers are:
Food poisoning
If you unintentionally serve customers undercooked or spoiled food and they get sick as a result, they could have grounds for a claim.
Slips and falls
Working in greasy kitchen areas can lead to accidents. Oily floors from frying food could increase the chances an employee or customer might slip and injure themselves.
What about damaged equipment?
You can also take out optional cover to help towards equipment breakdown and damages. For example:
Failing equipment
Equipment like fridges, freezers or fryers can sometimes pack up, leaving you without working equipment.
Kitchen fires
Fires can break out if you’re working with open stoves, ovens and deep fat fryers. You can take steps to limit the risk, but you can’t always prevent it.
From fire hazards to customer liability claims, takeaway insurance can keep your business protected so you can focus on dishing up great food.
James Barwell, Insurance Director
Why choose takeaway insurance with Bionic
At Bionic, we celebrate and champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to find you the right cover.
Our UK-based team helps businesses compare business insurance quotes to find the right insurer that fits. Get in touch with us today by starting a quote online.
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
Takeaway Insurance FAQs
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