Restaurant & Takeaway Insurance
Effective cover for the hospitality sector.
If you own and run a restaurant or takeaway establishment, it is important to have the correct cover to help protect your business should anything happen.
As you are providing goods to the public and preparing food, it is essential that you have the correct restaurant or takeaway insurance which includes product and public liability.
If customers are also collecting goods from your premises, it is important to have the correct cover to help protect you from injury claims from members of the public visiting your establishment.
DO I NEED RESTAURANT INSURANCE OR TAKEAWAY INSURANCE?
It doesn’t take a lot for hiccups to happen in a fast-paced environment such as a restaurant. A slip in the kitchen or a complaint from a customer with an allergy can happen to anyone, so having the right cover in place can really help your business should anything happen.
If you employ any staff at all, you are legally required to have employers’ liability insurance. SJL Insurance Services can build this into your policy.
If you have customers into your establishment, then it is strongly advised that you have public liability insurance to protect you against any injuries or accidents that could occur.
If you’re unsure of what insurance cover you might need for your restaurant or takeaway business, please speak to one of our experts.
DO I NEED INSURANCE IF I AM ONLY PROVIDING DELIVERY AND/OR TAKEAWAY SERVICES?
Even though you might not have customers coming into your establishment, you are still providing the public with products and are therefore liable should anything happen.
It is therefore important that you have product liability insurance, which will protect you should anything you serve cause harm (i.e. food poisoning).
You will also require cover for your employees. Employers liability insurance is a legal requirement for any business that hires staff.
IS MY BUSINESS ELIGIBLE FOR RESTAURANT INSURANCE OR TAKEAWAY INSURANCE?
If you own a restaurant or takeaway food establishment of any size, you’re eligible for insurance. SJL Insurance Services can support your business and individual needs with a bespoke policy suited to you.
We can provide insurance for the following businesses:
Restaurant Insurance – covering cafes, fine dining restaurants and bistros
Takeaway Insurance – covering food vans, fast food establishments and food stalls
If you’re unsure that your business is eligible for takeaway/restaurant insurance, speak to our specialist team.
Looking for pub, bar and nightclub insurance or hotel insurance? Check out what else we have to offer in our hospitality sector
WHAT IS COVERED IN TAKEAWAY AND RESTAURANT INSURANCE?
SJL Insurance Services provides cover for businesses, no matter the size.
We have access to an array of insurance products, meaning we can source the best policy and price for your business.
Our restaurant insurance and takeaway insurance can include cover such as:
- Employer’s Liability – a legal requirement to all employers, this protects you against employee accidents and injuries.
- Product liability – if a product you’ve supplied (i.e food) causes anyone harm, this cover helps with covering costs of claims or compensation.
- Public Liability – protection against claims made by the public following an injury on your premises.
- Contents – for damage to equipment, fixtures and fittings.
- Stock – in case anything happens to your stock including food, ingredients and packaging.
- Business interruption – in the event of your business being halted, this supports with loss of revenue.
- Theft – cover for theft of property or equipment.
- Goods in transit – cover for damage or theft to goods transported within your business.
- Buildings – protection for your businesses’ building.
- Commercial Legal Expenses – provides cover for legal costs that might not be covered by your general business insurance.
Contact our team on 01905 27775 to find out more.
HOW MUCH DOES RESTAURANT INSURANCE AND TAKEAWAY INSURANCE COST?
As insurance brokers, we have access to a large number of insurance products, meaning we can search and build the best policies for our clients.
No matter the size of your business, from a food truck to a Michelin star, we can help provide the correct policy for your establishment.
Our approach is bespoke, so the cost of insurance is too. We work with you to build a policy that fits your business, so you’re not paying for any cover you don’t need.
Request a quote today.
and have peace of mind knowing that you're protected.
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