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Business Insurance For Takeaways

From your Indian takeaway to your Italian pizza house, takeaway insurance by The Insurance Octopus has been designed with takeaway businesses in mind. The UK loves a takeaway and we want to ensure your businesses ongoing success with our comprehensive low cost business insurance policies which we’ve designed to be as flexible as possible, allowing you to tailor your takeaway shop insurance to provide all of the essential cover you need in one business insurance policy. We all know that accidents happen, Lets get peace of mind that your are covered correctly and competitively going forward.

What Is On The Menu? Make Your Choice!

When you’re putting together your takeaway insurance policy, your core cover is going to be public liability insurance. It covers you if anyone claims compensation from your business because they’ve been injured or their property’s been damaged. For example if you face claims from customers that they have become unwell after buying food from your company, or perhaps a customer slips and trips on the way in or out of your premises and injures themselves, you could face a compensation claim. In these scenarios your public liability insurance could pay the legal fees and compensation costs, up to the limit of your policy. We offer up to £10 million of cover.

Our Relationships

Moneycornershop.com is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover. Moneycornershop.com has been working with small-and medium-sized enterprises all across the UK, so we understand that each individual business has its own unique risks and challenges.

Our Experience

Our knowledgeable customer service team has the skills and expertise to put together a flexible policy that fits your specific requirements, and has the ability to develop and grow along with your business. When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance.

We have over 50 years collective experience and relationships with underwriting specialists which have the capacity and understanding of the industry to write and place any risk.

Having a panel Global Insurers such as Allianz, Lloyds of London, Axa, Ageas, Liberty Mutual, Hiscox, NIG, QBE and RSA, means that we can provide you with the choice of covers and competitive premiums that you are after.

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What Insurance Does A Takeaway Business Need?

Contents and stock cover can insure your stock, business equipment, fixtures and fittings including expensive refrigeration and freezer units. We can also cover you for deterioration of stock, in events whereby your stock is soiled and unsellable due to your refrigeration and freezer equipment failing.

Employers Liability
Employers Liability insurance is a legal obligation to have if you employ permanent or temporary members of staff. As an employer, it is a legal responsibility to ensure that you have provided safe and secure surroundings for your employees. Cover is available at a standard level of £10m.
January 2016 saw a takeaway shop getting fined £2,000, with costs of £2,360, for failure to produce an ELCI (Employers Liability Compulsory Insurance) certificate. The Company was prosecuted and found guilty of an offence under Section 4(2)(b) of the Employers Liability Compulsory Insurance Act 1969.

Public Liability
Public Liability insurance provides necessary protection for takeaway in the event that a member of the public gets hurt or injured whilst on your premises. Public Liability insurance is available across various levels of cover ranging from £1m, £2m and £5m.

Products Liability
Product Liability for takeaways As a takeaway you won’t want to leave things to chance, so securing a policy which includes product liability should be of the utmost importance. Protecting you from injury and illness claims caused due to the goods you sell, it will cover the cost of defending any claims as well as any compensation costs

Business Interruption
Consider how your business would survive following a disaster such as a fire or flood. Would you be able to continue operating in these circumstances? Business interruption cover protects you against loss of income in such instances and could be the lifeline your business needs following a disaster.

Tradesman Public Liability Insurance

Money Corner Shop has the capacity to offer between £1 million and £25 million in cover, to protect you against legal fees and compensation costs.

You can include business buildings cover to protect your business premises, including fixtures and fittings.

  • Personal accident insurance covers you against serious injury, or even death – paying out for the likes of lost income and medical costs.
  • You can include business buildings cover to protect your business premises, including fixtures and fittings.
  • Business equipment insurance to cover your business contents and office equipment.
  • Business legal protection insurance can cover your commercial legal expenses and the cost of legal action.

Running a takeaway can be highly profitable so you need to be able to protect your business and yourself from financial loss. As a takeaway shop owner, you are at risk from a number of daily perils including: malicious damage, theft of stock, theft of monies by an employee, fire & arson as well as a range of natural disasters such as floods. All of these risks factors need to be considered when looking for a comprehensive takeaway food insurance policy.
As a food related business you also face the risks that come with selling food. Some of the most common and potentially most expensive food related insurance claims include:

  • bouts of food poisoning brought on by food you’ve sold
  • nasty allergic reactions, problematic if the customer has disclosed the allergy
  • a range of different types of food contamination

Need more details? Hear more about your business cover options from our expert team. Just choose the cover you’re interested in and get some expert insight into how each option can help your business.

What Type Of Takeaway Are You?

We provide tailored insurance for most types of Takeaways, such as:

  • Indian Takeaway
  • Fish & Chip Shop
  • Pizza Takeaway
  • Noodles Takeaway

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Why Join Moneycornershop.com?

  • Join a huge network of happy customers
  • Claims managed by individual insurers
  • Experienced business insurance experts
  • We can help you save on your business utilities
  • We can help you raise Finance for your business