Updated for 2019.
Running a small business comes with its own unique challenges and finding time to arrange your takeaway insurance can often be one of those challenges.
The importance of having the right policy to protect you, the business, your staff and members of the public is crucial and will ensure you have the support you need and minimise any interruption to your business following a loss. As every business owner knows, accidents can happen, and often when least expected.
That’s why over 25 years experience we have developed a takeaway insurance policy tailored to the specific needs of the industry and have continuously developed this for today’s climate.
We have an experienced team on hand to assist you, making it simple to arrange your business insurance and to offer any guidance you may need. You can contact us on 0800 731 2940.
Product Overview – What will you get with your takeaway insurance?
Trade Contents cover under your takeaway insurance will include your business contents (fixtures, fittings, decorations, glass etc) and stock against a wide range of perils, including Accidental Damage, Storm Damage, Fire and Full Theft (unforced entry/distraction).
If your premises are damaged from an insured event you may find you are temporarily unable to trade; business interruption insurance can cover any loss of income during this period whilst repairs are carried out and you are back up and running.
Where you employ any staff it is a legal requirement to have Employers Liability insurance in place as part of your takeaway insurance. This will provide you with legal protection against any claims or compensation an employee may be entitled to following an injury at work.
Public liability insurance is essential to protect your business against claims from members of the public in the event you are found to be negligent following an accident at your premises. Takeaway insurance protects you in the instance of slips, trips and accidents. Even an accusation of such an incident may lead to substantial costs being incurred to protect you.
Products liability is an essential cover for takeaways, providing cover for an injury or illness due to goods or services you have provided, covering the cost of defending claims as well as any compensation.
Legal Expenses and Legal Advice Helpline
This cover will assist with defence costs following, for example, Employment Disputes including Compensation awards, Tax or VAT disputes.
The 24-hour legal advice helpline is available to all pub insurance policyholders and can provide advice on legal matters relating to your business helping to ensure you meet your legal requirements in an ever-changing environment.
24-hour Claims Service
When disaster strikes it is important you have someone on hand to help. All takeaway insurance policy holders will be provided with a 24-hour claims line number and help is on hand 24 hours a day, 365 days a year.