Insurance for takeaway and fast-food shops is a tailored, comprehensive package designed to protect food-service businesses against high-risk operational hazards, including fire, liability claims, equipment breakdown, and loss of income. Essential coverage typically includes Public Liability (customer accidents), Employer’s Liability (staff injury), and Product Liability (food poisoning).

Key Components of Takeaway Insurance

A comprehensive policy often includes the following, customisable to specific needs:

Public Liability Insurance: Protects against claims of injury or property damage to customers or the public.
Employers’ Liability Insurance: A legal requirement in the UK if you employ staff, covering injuries or illness to employees.
Product Liability Insurance: Crucial for food businesses, this covers legal costs if sold food causes illness or allergic reactions.
Buildings and Contents Insurance: Covers damage to your building, fixtures, fittings, and essential kitchen equipment (fryers, fridges).
Business Interruption Insurance: Covers lost income and fixed costs if you are forced to close due to an insured event like fire or flood.
Stock Insurance: Protects against the loss of ingredients, food, and packaging.
Money Cover: Protects cash on the premises.
Delivery Driver Cover: Specialised insurance for delivery vehicles ("hire and reward") is necessary for food delivery. 
 

Why Specific Takeaway Insurance is Necessary

Takeaway shops face unique risks, such as high-intensity deep-frying, which increases fire risks. Specialised insurance ensures coverage for these specific activities, including late-night operations and potential hazards like slips, trips, or food contamination. 

What is Typically Covered?

•    Fish and chip shops, kebab shops, and pizza takeaways.
•    High-street or residential takeaway premises.
•    Equipment breakdown (e.g., freezers failing).
•    Shop front damage (e.g., broken windows). 

Why Choose Us?

Capital Indemnity specialises in providing insurance cover for takeaways and fast food restaurants. 

Just as your consumers anticipate a speedy takeaway, we recognise that many businesses want rapid and efficient insurance coverage. When you're in charge of such a fast-paced business, it might be tough to find time to research the best insurance coverage for your fast-food takeaway.

Because we are a broker, we have access to flexible takeout insurance policies from a variety of UK insurers, allowing us to explore the market for you. This means you may pick and choose the sorts of coverage you require to protect your food business. We can assist you in arranging an all-encompassing business insurance coverage that protects against the risks you face.

Contact our team of insurance specialists for a free, no-obligation quote.