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Whether you run a kebab shop, a chippy or a cafe with food ‘to-go’, you’ll need takeaway insurance to protect your business. Getting business insurance for takeaways and food delivery can seem like a mammoth task, but it doesn’t have to be.
At One Sure, we understand the trials and tribulations that takeaways can face. With our expertise and insurance savvy, we can do all the hard work for you, so you can concentrate on your work.
Takeaway insurance is designed for hospitality businesses that sell food via collection or delivery.
With so many risks unique to takeaways, this type of commercial insurance policy will have coverage targeting the specific challenges faced in the hospitality industry to prevent financial loss.
As a delivery driver for a takeaway, your insurance must cover ‘the carriage of goods for hire and reward’. This means you will need a food courier insurance policy to deliver meals to your customers.
When running a takeaway business, you can choose from the following types of cover:
To run a takeaway, you need a licence from your local council. You should register your business with the local authority roughly 28 days before your first open day. This registration ensures that your business is compliant with food safety regulations and allows the local authority to keep track of food businesses in their county.
The type of licence you need depends on what you sell in your takeaway and your opening hours. For example, if you plan to sell hot food or drinks between the hours of 11 pm and 5 am, you will likely need a premises licence from your local authority. Whereas if you sell alcohol, you’ll need an alcohol license from your council.
It is against the law to sell food without a licence. If caught, you may have legal penalties, including fines, closure of the business, or even imprisonment in serious cases. Additionally, operating without the necessary licenses may pose risks to public health and safety.
If you get caught without courier insurance in place, you could end up getting stopped by the police and facing legal penalties. If you need to make a claim on your policy and you have the wrong insurance, then it might not be valid. If you’re involved in an accident while driving, courier insurance can help to cover the costs, but your food would not be covered.
Here are just some of the reasons why you should get a quote with us.
As one of the UK's leading insurance brokers, we specialise in niche insurance policies and will find you the coverage you need.
If you need to change your insurance policy, our friendly team is only a phone call away and happy to help.
Renewals are always simple with us. We’ll compare the policies you need and find the most up-to-date offers to get you the best quote on the market.
Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*
*Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.
