Takeaway Insurance Cover Guide
The fast-paced nature of the work, the high volume of customers and the long hours make the restaurant and takeaway industry riskier than one might think. As the owner or operator of a restaurant or takeaway, you understand the industry’s unique risks and the disastrous potential of one simple mistake.
Your Takeaway Insurance Should Include:
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- Contents is usually available on an all-risks basis, meaning all contents in the insured premises are covered unless explicitly excluded.
- Public and products liability protects against third-party damage or injury for which you are liable and illness caused by the food or drink that you serve.
- Employers’ liability helps pay damages, legal costs and expenses related to employee injury on-site; it is legally required if you employ workers.
- Business interruption and loss of book debts recovers income and helps your establishment continue operating in the event of an insured loss or damage; loss of book debts insures your account books, business books and business records in case they are lost or damaged.
- Glass covers the breakage of fixed glass and fixed items of sanitary ware.
- Fixed signs offers all-risks protection for all your signs and nameplates.
- Goods in transit insures your contents during transit in a vehicle owned, hired or leased by your establishment.
- Money compensates your business if money is lost in transit, in a bank safe, in your home or on your premises.
- Personal accident (assault) pays for expenses related to a robbery or attempted robbery.
