Takeaways
Insurance

What is Takeaway 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 Takeaway Insurance?

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 Takeaway Insurance 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.

What’s Covered in Takeaway Insurance?

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, you may need additional cover such as:

• Business Building Insurance – Protect your takeaway premises from fire, flood, and vandalism.
• Employers’ Liability Insurance – Required if you employ kitchen or delivery staff.
• Business Interruption Insurance – Compensation for lost income if your business is forced to close.
• Delivery Driver Insurance – Cover for vehicle-related claims while making deliveries.

At Insurably, we work with leading insurers to find the right cover for your takeaway business, whether you're a small independent shop or part of a franchise.

Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring you get the coverage you need.