Takeaways
Insurance
What is Takeaways Insurance?
Takeaway Insurance protects your food business from financial losses due to unexpected risks like customer claims, equipment damage, or business interruption. Whether you run a fish and chip shop, pizza takeaway, curry house, or fast food restaurant, having the right cover ensures you're protected.
From independent takeaways to franchised chains, this insurance is essential to safeguard your livelihood and meet landlord, supplier, and legal requirements.
Who Needs This?
If you prepare, sell, or deliver food and drinks, Takeaway Insurance is crucial. This includes:
- Fast Food Takeaways – Cover against liability claims, kitchen fires, and equipment breakdowns.
- Pizzerias & Fish & Chip Shops – Protection for frying ranges, ovens, and customer claims.
- Chinese, Indian & Kebab Takeaways – Essential cover for food hygiene claims and public liability.
- Food Delivery Services – Protection for liability risks, delivery driver coverage, and stock damage.
- Cafés & Coffee Shops – Ensuring safety for customers, staff, and premises.
Why is it Important?
Running a takeaway comes with unique risks. Without the right cover, a single claim or equipment failure could put your business at serious financial risk.
Common risks that Takeaway Insurance protects against include:
- Slips, Trips & Customer Accidents – Covers claims if a customer is injured on your premises.
- Food Poisoning & Contamination – Protection against claims related to food safety and hygiene.
- Fire & Equipment Damage – Covers fryers, ovens, and kitchen appliances.
- Delivery Driver Liability – Optional cover for accidents and claims involving food delivery.
- Legal & Compensation Costs – Defence and settlement fees if a claim is made against your business.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Takeaway Insurance policies typically include:
- Public Liability Insurance – Covers injury or damage claims from customers or suppliers.
- Employers’ Liability Insurance – Required if you employ staff, covering workplace injuries.
- Stock & Equipment Cover – Protection against damage, theft, or breakdowns.
- Business Interruption Cover – Income protection if a fire, flood, or issue forces you to close.
- Product Liability Insurance – Covers claims related to food poisoning or allergic reactions.
What's Not Covered
- Employee injuries – Covered under Employers’ Liability Insurance.
- Damage to your own business property – Separate business buildings insurance required.
- Intentional harm or illegal activities.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Takeaways cover you for?
Takeaway Insurance provides essential protection for food businesses, covering risks like fire, equipment breakdown, liability claims, and stock loss. Insurably® makes it quick and hassle-free to arrange tailored cover—so you can focus on serving your customers without worrying about the unexpected.
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