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