Takeaway Shop Insurance

Running a takeaway shop means operating at speed, handling hot food, managing staff, and dealing with customers face-to-face and online. With high volumes of footfall, equipment, and delivery logistics, your business faces constant risk.

That’s why tailored takeaway shop insurance is essential. We provide comprehensive protection for your premises, people, and profits, keeping your business covered so you can focus on serving your customers.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Takeaway Shop Insurance?

Extensive experience in hospitality and foodservice insurance
Access to 20+ leading UK insurers
Tailored quotes for independent shops and multi-site operators
Dedicated account managers and fast claims support
Fast, hassle-free quoting process
Flexible policy terms and competitive pricing
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OR CALL 0330 054 0545

What Is Takeaway Insurance?

Takeaway insurance is a specialist form of business insurance designed for food outlets that primarily operate on a takeaway basis. It provides cover for the everyday risks your business faces, including fire, liability claims, equipment breakdown, and business interruption.

We provide bespoke insurance packages for:

  • Fish and chip shops
  • Chinese, Indian, Turkish and pizza takeaways
  • Fried chicken and kebab shops
  • Local fast-food businesses
  • High-street and residential takeaway premises
Why Insurance for Takeaway Shops Could be Important?

Takeaways operate in high-risk environments, deep fryers, sharp tools, busy kitchens, late-night trading, and food safety risks make the sector especially vulnerable. A single claim, whether from a customer, staff member or equipment failure, could have significant financial consequences.

Takeaway business insurance can help protect you from:

  • Liability claims from customers or employees
  • Damage to cooking equipment and fixtures
  • Theft or vandalism
  • Stock loss from fridge or freezer failure
  • Fire or water damage to the premises
  • Loss of income due to temporary closure

Having the right protection in place gives you peace of mind and business continuity.

How Much Does Takeaway Insurance Cost?

Premiums vary based on several factors:

  • Size and location of your takeaway
  • Type of food served and cooking methods
  • Number of employees and turnover
  • Opening hours (especially late-night trade)
  • Delivery service usage and frequency
  • Claims history and existing safety measures

We offer flexible and competitive quotes from top-rated UK insurers.

 

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What Does Takeaway Shop Insurance Cover?

Our policies are tailored to meet the unique risks of the takeaway food sector. Standard cover includes:

1. Public Liability Insurance

Protects against claims if a customer suffers an injury or property damage while visiting your premises (e.g. slipping on a wet floor).

2. Employers’ Liability Insurance

Often legally required if you employ staff. Covers legal costs and compensation if an employee is injured or becomes ill due to their work.

3. Buildings Insurance

Covers structural damage to your takeaway premises caused by fire, flooding, vandalism, or accidental damage.

4. Contents and Equipment Insurance

Protects your fryers, ovens, hobs, grills, fridges, freezers, and counters against damage, breakdown or theft.

5. Stock Insurance

Covers perishable goods and ingredients against spoilage due to power failure, fridge malfunction, or contamination.

6. Business Interruption Insurance

Covers loss of income and operating costs if you are forced to temporarily close due to an insured event such as a kitchen fire or burst pipe.

7. Product Liability Insurance

Protects against claims related to food you prepare and sell, including cases of food poisoning or allergic reactions.

FAQs

Employers’ liability insurance is legally required if you employ staff. Other covers such as public liability and product liability are highly recommended.

Yes. You still face risks such as food liability, equipment damage, and staff injury. We can tailor cover for delivery-only takeaways.

Yes. We offer multi-location insurance policies to streamline administration and reduce cost.

Yes, but you must declare late-night opening hours and any alcohol licensing when quoting to ensure full protection.

Yes, we can tailor your takeaway insurance policy to include cover for kitchen fires, electrical faults, and equipment breakdown. Commercial equipment like fryers, grills, and fridges are high-risk, so this protection is critical to keeping your business running.

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

Stay protected with insurance tips, food safety guidance, and compliance help for takeaway and fast food businesses.