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What is Takeaway Insurance?
Takeaway insurance is protection for any type of fast food place or restaurant that sends takeout food to paying customers. Takeaway insurance covers these types of service providers and more:
- Fish & chip shops, Chinese takeaways, Burger restaurants/bars, Halal takeaways, Pizza takeaways, Indian takeaways, Fried chicken takeaways, Sushi takeaways, Sandwich bars, Takeaway cafes and restaurants,
Fixing and providing food for the public is a great job, but it does come with inherent risks.
Take Away Insurance Guide—Understand the Basics
A takeaway business, just like any other type of business, needs to have insurance coverage. Are you the owner of a takeaway business? Would you like to start one up? Then you’ll need insurance to protect you, your employees and your business.
You’d like your takeaway business to be success and grow; however, have you considered the many risks faced by fast food and other establishments that deliver food? Let’s take a look at possible risks, but first, what is takeaway insurance?
Takeaway Food Business Risks
These types of businesses face many risks and need to carry specialty takeaway insurance protection. What are the some of the risks that takeaway businesses face? Let’s take a look:
1). Food safety: what happens if something like potato salad is left unrefrigerated for too long? Especially in a hot car in the summer? If your food makes someone sick, you could be held liable and face lawsuits.
2). Delivery by car: if your business uses a car for delivery and causes an accident or gets hit by an uninsured driver, what will you do? Your employees who deliver the food need to be protected, as do the vehicles used to make deliveries.
3). Damage to restaurant: what happens if your restaurant is damaged or destroyed by fire or an extreme weather event, etc.? How will you rebuild and restart your business? What about employee wages, operation costs, etc.?
These are some of the risks that takeaway insurance will cover. Takeaway policies generally provide coverage for all types of risks in one policy. While full coverage isn’t a requirement, you do have a responsibility to provide coverage for employees and any vehicles used in connection with the business.
Types of Takeaway Insurance
When you begin researching takeaway insurance, you’ll find there’s a wide variety of policies available. You’ll find policies to help if food makes a customer sick, an employee is injured while on the job, your business is interrupted, and much more. Some of the most common coverage includes:
Public liability: protects customers on the business premises; for example, if a customer should slip and fall, trip, etc. Or if a customer becomes sick from the takeaway food. This type of insurance protects you from potential lawsuits filed by customers.
Employer’s liability: protects you in case an employee is accidently injured while working for you. Accidents will happen, even if you run the safest workplace. This type of policy protects you against lawsuits filed by employees.
Buildings and contents: your valuable business needs to be protected, including the building and its contents. It’s expensive to replace kitchen equipment, repair a damaged building, etc. This type of policy will only cover the building if you own it; otherwise, your landlord’s insurance policy will need to step in.
Business interruption insurance: these policies can step in while your business is unable to run—you’ll still have bills and other operating costs to pay while the business is temporarily interrupted.
Goods in transit insurance: this type of coverage protects goods and property during the transport process. This usually includes coverage for company vehicles, or with third party delivery services. Coverage will step in if goods are lost, damaged, stolen or late. You’ll want to make sure that all types of vehicles are covered, especially if you use bikes and scooters, etc. to make food deliveries.
Shopping for the Right Policy
When you’re shopping for the right type of policy, you’ll have better luck if you search for specialty insurance providers who are experts in takeaway insurance and fully understand the takeaway business. These insurers understand your business, whereas a general insurance provider may not. You’re also more likely to find a better price on premiums and more flexible premiums with a specialist insurance provider.
Comparison shopping can be tedious if you have to call or visit several insurance companies; however, online comparison shopping is the easiest and fastest way to find your insurer. Use a reputable insurance comparison site to shop for takeaway insurance providers and to find the best premiums. You may even find an insurance provider who will send be willing to send documentation via email and offer instant cover once you’ve signed up for the insurance.
Be sure to thoroughly read through all the documentation before signing up for any insurance. You need to understand exactly what the policy covers, how to file a claim, who will handle your claim, etc. Don’t be afraid to ask questions; after all, you’re trying to protect your business with the best possible insurance coverage. It’s an important investment and you want to make sure your protected with the right policy from the start.
Helpful Links: Insurance Associations
ABI – Association of British Insurers – The Association of British Insurers is the leading trade association for insurers and providers of long term savings. … need to contact their insurer for a Green Card which they will need to carry on them if they wish to drive their vehicle in the EU.
BIBA – British Insurance Brokers’ Association – The British Insurance Brokers’ Association (BIBA) is the UK ‘s leading general insurance organisation.
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