Shops & Trades Insurance

Takeaway & Restaurant Insurance

Specialist protection for food service businesses. From fish and chip shops to pizza takeaways, Indian restaurants to cafés, we arrange comprehensive cover for the unique risks of food preparation and service.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Takeaway Insurance Cover?

Takeaway and restaurant insurance addresses the specific risks of food service businesses. Coverage typically includes:

Buildings Insurance

Protection for your premises including commercial kitchen installations, extraction systems, and customer areas.

Contents & Equipment

Cover for kitchen equipment, refrigeration, cooking appliances, furniture, and point-of-sale systems.

Stock & Perishables

Protection for food stock including cover for deterioration following refrigeration breakdown.

Business Interruption

Lost income cover if you can't trade due to an insured event, including loss of licence scenarios.

Public Liability

Essential cover for customer injuries and food-related illness claims – typically £2m-£5m.

Products Liability

Protection against claims arising from food you've prepared and sold, including allergic reactions.

Employers' Liability

Legally required cover for staff injuries including burns, slips, and kitchen accidents.

Money Cover

Protection for cash takings on premises, in transit, and in your safe.

Delivery Driver Cover

Optional cover for employees using their own vehicles for food delivery.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Food Trade Specialists

We understand the specific risks of hot food preparation, deep fat fryers, and food hygiene.

All Cuisines Covered

Experience with all types of food businesses from traditional British to international cuisines.

Fast Quotes

Quick turnaround on quotes to support new business openings and lease requirements.

Claims Expertise

Experience handling food-related claims including contamination and customer illness.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Own or operate a takeaway or fast food outlet
Run a restaurant, café, or bistro
Prepare and sell hot food to the public
Use deep fat fryers or commercial cooking equipment
Employ kitchen and service staff
Offer food delivery services

What We'll Need for Your Quote

1
Business address and type of cuisine
2
Whether you own or lease the premises
3
Buildings rebuild value (if applicable)
4
Contents and equipment values
5
Annual turnover
6
Number of employees
7
Whether you offer delivery
8
Fire safety and extraction systems in place
9
Claims history for the past 5 years

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Frequently Asked Questions

Why is takeaway insurance more expensive than standard shop insurance?

Food businesses have higher fire risk due to cooking equipment, especially deep fat fryers. There's also products liability exposure from food preparation and higher public liability risk from hot food service. Specialist takeaway policies are priced to reflect these specific risks.

Do I need special cover for deep fat fryers?

Deep fat fryers significantly increase fire risk and must be declared to insurers. Most policies require specific safety measures including automatic fire suppression systems, regular cleaning, and staff training. We'll advise on the requirements for your policy.

What about food delivery – is that covered?

Standard takeaway policies cover food once it leaves your premises, but delivery driver motor insurance is separate. If employees use their own vehicles, they need 'business use' on their personal motor policy, or you can arrange a company delivery vehicle policy.

Does the policy cover food poisoning claims?

Products liability cover protects against claims from customers who become ill from food you've prepared. This is essential for any food business. Cover typically extends to allergic reactions if you've failed to properly declare allergens.

What if my refrigeration breaks down?

Stock deterioration cover protects against loss of perishable stock following refrigeration or freezer breakdown. This is particularly important for businesses holding significant fresh food stock. Some policies also cover the cost of emergency repairs.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.