Takeaway Shop Insurance

Insurance for Takeaways and Fast Food Outlets


Insurance for Takeaways

The mainstay of the British high street, fish and chip shops have been around for decades, pizza takeaways Burger Bars to Indian and Chinese takeaways, takeaway shop insurance is essential for keeping your fast food business “in business” if the worst happens.

With the British takeaway open on every high street serving up fast food from every corner of the world it’s vital that the insurance you have in place is going to protect your business and its assets from many exposures it faces. Whilst there are many different types of fast food takeaways each business is different and has its own unique set of risks, after all a Humus bar and other Health Food Takeaways are not going to have the same sort of risk as a traditional Fish & Chip Takeaway.

What is takeaway shop insurance

Takeaway and Fast Food Outlet insurance would normally come in a package, these are insurance policies that provide a wide range of covers that come together in one place, cover designed for most eventualities that a takeaway food outlet might require.

As a shop owner you need to ensure that you have the necessary cover in one easy to understand that is also quick to arrange and competitive, leaving you to get on with your business without keep having to change covers to meet the demands of your growing business.

What does a Takeaway Food Outlet provide insurance cover for?

Wide cover for essentials such as the fixtures and fittings in your business, specialist ovens or cookers the essential ducting and extraction to your EPoS systems, refrigeration and food storage rooms. For a Fish and Chip shop insurance will cover your range, for a Pizza Takeaway special Pizza Ovens are the business itself and for Chinese Takeaways special Wok cookers to name but a few.

Contents cover will provide protection in the event of a loss from such eventualities as fire, storm and flood as well as theft from the premises. Included automatically is cover to protect your income if there is a loss at the premises, if your business has to temporarily close to carry our repairs then business interruption insurance will keep paying for things like staff wages and other overheads for a certain amount of time, this could be anywhere from 12 to 36 months usually.

Slips Trips or Falls are always a risk with takeaway premises, you have customers who are waiting for their food, sometimes a floor can become wet and slippery for example, Public Liability will protect you against allegations of negligence if someone is injured whilst on your premises.

Fast food outlets can have many hazards that can injure an employee, Employers Liability Insurance which is a legal requirement, will protect the business from claims that an employee may make.

By the very nature of any food business Product Liability Insurance is one of the most important covers, people put their trust in you to deliver quality cooked foods from the best ingredients, but sometimes things can go wrong, alleged food poisoning, foreign bodies finding their way into your food or even food stuffs that have been delivered that are contaminated by your supplier which causes illness.

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What are risks and dangers associated with a Takeaway Shop Business?

A fast food takeaway can have many exposures that can be covered by insurance, if the building is owned then of course its essential that you have Buildings Insurance, if you are a Tenant then there may be changes that you make to the premises, additional security, additional internal walls, even suspend ceilings, all which can be covered under the policy.

Whilst most businesses take card payments, many people still like to pay by cash, Money cover is usually part of a shop package and covers such things as theft from the property or on the way to the bank.

Town centre takeaways can be particularly vulnerable to broken windows, many businesses have experienced this, a phone call from the policy to say they have arranged boarding up, or you have arrived at your business to find the window has been smashed, windows can be expensive so its essential cover is in place for such eventualities.

Other covers are available that can be included or bought separately to complement an existing policy, Goods in Transit, Deterioration of Stock, Commercial Legal Expenses, Cyber Insurance.

Why deal with Real Insurance for your Takeaway shop Insurance?

One of our specialist areas is to the hospitality sector, we work with a number of specialist insurers who have specific insurance packages available for almost every type of takeaway shop.

Speak to a specialist, for many years now we have looked after hundreds of fast food takeaways, from single independent businesses to some of the country’s largest Pizza Franchise company’s.

Whether you are the purveyor of Finest Pizza’s, Burgers, Fish and Chips, sell Sushi, Cream Cakes with specialist coffee we will have provided cover.

Importantly we are not a call centre, when you speak to us you are dealing with knowledgeable experienced commercial brokers who understand your business.

Talk to us today about reviewing your Takeaway Shop Insurance.

Real Insurance Brokers UK
Real Insurance Brokers UK