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Why QuoteSearcher for Takeaway Insurance?
Owning and managing a takeaway or business comes with a unique set of positives and negatives. Lots of footfall, lots of different types of customer, and often close ties with the community are just a few of the highs of running a takeaway business.
However, there are challenges that come with such a volatile industry. Depending on the type of establishment you run, you could face late nights, unpredictable clientele and the numerous issues that come with preparing and selling hot food. You need to know you are covered against any situation that might arise, which is why having the best takeaway business insurance possible is integral.
At QuoteSearcher, we locate specialist brokers who can offer you a policy that covers all aspects of running a takeaway or fast food business. From food delivery car insurance, to liability cover against third parties, our brokers understand the unique challenges you face and how to protect you from them.
Policy Features
Public Liability
Protects you from legal claims made against you by a third party such as a customer due to negligence. Find out more about Public Liability.
Employers’ Liability
Covers medical and legal expenses of claims made against you by employees due to negligence. Learn more about Employers’ Liability.
Buildings Insurance
Covers the cost of repairing or refurbishing your building because of vandalism, fire or flood damage. Read more about Buildings Insurance.
Contents Insurance
Covers the cost of contents in your building in the event of theft, fire or flood damage. Find out more about Contents Insurance.
Business Interruption Cover
Covers your income in the event of your business closing down operations due to unforeseen circumstances. Learn more about Business Interruption Insurance.
Beneficial Policy Features Explained
Public Liability Insurance
This is particularly important for takeaway and fast food businesses. Dealing with food and drink brings a whole host of potential claims from third parties. A member of the public could be scalded by a hot drink that was not properly labelled, made ill from food that was not adequately prepared, or even something such as slipping over on a wet floor. In any of these events, they are within their rights to make a claim against you, and you need to be covered for medical, legal and compensation expenses
Employers’ Liability Insurance
In a similar vein to the public liability, employers’ liability insurance ensures your employees have a safe working environment. They can suffer the same potential problems as customers when dealing with hot food, with additional aspects like operating cooking appliances and machinery. If they become injured, they will need time of work, leaving both them and yourself out of pocket – employers’ liability insurance covers any costs that may be incurred
Buildings and Contents Insurance
In the event of a burglary, fire, flood, or storm for example, your business equipment (kitchen appliances, fridges, POS systems and furniture) could be damaged. Statistics suggest that a large number of businesses close down within 2 years of a fire, due to their building and contents not being adequately insured. You need to get your business up and running quickly after an event like this, and having everything protected as part of your policy is critical
Business Interruption Cover
Whilst buildings and insurance cover will pay out for the cost of bringing your physical location back to normal, the length of time your business is closed can have a serious effect on your income. Business interruption cover ensures you an income during this time, helping you stay on your feet until your takeaway is up and running again.
Frequently Asked Questions About Takeaway Insurance
QuoteSearcher’s partners provided me with excellent cover for my insurance. I ended up saving a £100 on my previous years premium so I will be definitely coming back to QuoteSearcher next year!
Thanks to QuoteSearcher I am now fully insured. After looking at all the quotes I received, I chose the right policy for me and was insured more or less straightaway!