Is takeaway insurance a single policy or a combination of policies?

Takeaway insurance UK** is typically a combined policy that bundles several types of cover relevant to food businesses, such as Public Liability, Product Liability, Employers' Liability, and property insurance, into a single package. This often makes it more convenient and potentially more efficient than purchasing individual policies.

What happens if a customer claims they got food poisoning from my takeaway?

If a customer claims food poisoning, your Product Liability insurance, part of your **takeaway insurance UK** package, would typically respond, subject to underwriting criteria, terms and conditions. It can help cover the legal costs of defending your business and any compensation you might be liable to pay if the claim is substantiated.

Does takeaway insurance cover my delivery drivers?

If your business employs delivery drivers, you will need commercial motor insurance with 'hire and reward' cover for the vehicles they use. Standard **takeaway insurance UK** packages typically do not include this motor cover by default, but it can often be arranged alongside your main policy, subject to underwriting criteria, terms and conditions. Employers' Liability insurance would cover your drivers for injuries sustained during their employment, subject to underwriting criteria, terms and conditions.

How much does takeaway insurance UK typically cost in 2026?

The cost of **takeaway insurance UK** varies significantly based on factors such as the size and location of your business, the types of food you serve, your claims history, the number of employees, the value of your equipment and stock, and the specific covers and limits you choose. It's advisable to obtain a tailored quotation to understand the potential costs for your specific circumstances and to discuss competitive terms.

What is the difference between Public Liability and Product Liability for a takeaway?

Public Liability insurance covers claims arising from injury to a member of the public or damage to their property that occurs on your premises or as a result of your general business operations (e.g., a customer slipping on a wet floor), subject to underwriting criteria, terms and conditions. Product Liability insurance specifically covers claims related to injury or illness caused by the products you sell, such as food poisoning or allergic reactions from the food you prepare and serve, subject to underwriting criteria, terms and conditions. Both are vital components of comprehensive **takeaway insurance UK**.

Takeaway Insurance UK: What Cover Does Your Food Business Need in 2026?

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