Takeaway insurance
Join nearly 1 million customers (including 1,900 takeaway restaurants like you) – we offer public liability cover from £4.74*
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- UK-based expert support, online and on the phone
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- Compare tailored takeaway insurance from trusted brands
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need takeaway insurance?
A fryer accident. Pizza allergens. An unfair dismissal claim. As popular as your place might be, busy takeaways come with unique risks and challenges. From public liability cover to legal expenses and employer protection, a takeaway insurance quote picks out what you need, letting you focus on the queue outside, not the what-ifs on every service.
- peace of mind for you, your customers and employees
- pizza shop insurance, deliveries and fried food – we cover hundreds of takeaways
- £1 million public liability cover minimum
What does takeaway insurance cover?
No one knows your shop, customers and community like you do – and certainly not your food. Public and product liability cover is usually a top priority for our takeaway customers, plus insurance for expensive equipment, stock and appliances. And don’t forget employers’ liability insurance – it’s a legal requirement for most businesses with employees.
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Public liability insurance
In case your takeaway causes an injury, illness or property damage.
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Employers’ liability insurance
In case anyone gets ill or injured while working for your takeaway.
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Building insurance for takeaway shop
In case something happens to your takeaway premises.
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Stock insurance
In case something happens to your prepared food, ingredients, packaging and other materials.
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Contents insurance
In case something happens to your takeaway’s fixtures and fittings or operational equipment.
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Business legal insurance
In case you have to pay legal costs while running your takeaway business.
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Personal accident insurance
In case you or anyone you’ve covered has an accident – at work, or elsewhere.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does takeaway insurance cost?
Takeaway insurance costs vary depending on the size of your premises and specific risks, from operating commercial kitchen equipment to employing a large team of wait staff.
Find out how much you’ll pay by comparing prices for restaurant insurance from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example takeaway business insurance quotes, real prices
£76.86 /month
£768.63 /year
Small family-run takeaway
- 1-2 years’ experience
- Sole trader
- 1 employee
- Based in Wellingborough
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contents
Not included
£97.13 /month
£971.30 /year
Large takeaway which uses a fryer (serviced annually)
- 5+ years’ experience
- Limited company
- 5 employees
- Based in Northampton
Public liability
£5,000,000
Employers’ liability
£10,000,000
Contents
£15,000
How we work out example quotes: These examples are real quotes from our online system (created 01/10/2024). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
Buy online in minutes
Get your documents the same day
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Compare policies from a range of trusted insurers
Buy online or over the phone in minutes
How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
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Which type of workers do I need insurance for?
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Does takeaway insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
Call our team
How do takeaway insurance claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having takeaway insurance through Simply Business has saved shops and businesses thousands of pounds when the unexpected happened.
Stavros saved more than £3,750
A fire at Stavros’s takeaway has caused damage to one of his fryers, interrupting his trade. Fortunately it was put out quickly with an extinguisher, but Stavros needs to claim for fire damage (name changed for privacy).
Insurance payout
£3,755.75
Covering the cost of fire damage
Insurance payout
Covering the cost of fire damage
Covering the cost of fire damage
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Insurance for takeaway shop FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about takeaway shop insurance. You can also check out our business insurance FAQs.
Businesses selling hot food and drink face similar risks to other catering businesses. However, public and product liability insurance is a popular cover for hot food takeaways, because it protects you against slip-ups and accidents, or injuries caused by your product. For example, if a customer was to burn themselves while handling their food, this cover could protect you from an expensive injury claim.
Many insurers offer between £2 million and £5 million of insurance, which usually includes both public liability and product liability cover.
If you’re employing people as delivery drivers (or in most other capacities), employer’s liability insurance is usually a legal requirement. From there, many takeaway businesses find public and product liability cover useful, in case any claims are made for things like food poisoning or an allergic reaction to your food.
Stock insurance is also a popular cover for takeaway delivery businesses, as it can cover your goods while they’re on the road, and contents insurance is designed to protect you for things like damage to your food while it’s out for delivery.
Worried about something happening to you or your delivery employee while they’re out and about? Personal accident cover can pick up the cost, for example if someone assaults one of your team during a delivery.
Public and product liability insurance is often an important cover for restaurants – it’s designed to protect you if someone is injured or suffers an illness, or their property is damaged, because of your business.
Are you hiring staff? If so, you’re usually required by law to take out employer’s liability insurance, even if it’s for a contractor team member, or casual and temporary staff. You’ll face fines of up to £2,500 a day for anyone you haven’t covered correctly.
From there, you can pick and choose from other specific protection for your restaurant’s stock, equipment, fixtures and fittings and the building(s) you use. Our restaurant insurance policies are flexible – you can bundle everything into one policy or go for just one or two covers, depending on what you need.
Working with food, customers, and suppliers carries unique risks for a takeaway business. For example, if a customer has an allergic reaction after eating something from your takeaway then they could make a claim against your business.
Public liability insurance protects you if your takeaway causes injury, illness, or property damage to someone on the premises. The level of cover you need depends on things like the size of your business, equipment you use, and the potential risks involved.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Main building | £200 | £4000 |
Stock | £200 | £4000 |
Contents | £200 | £4000 |
Employers liability | No excess | No excess |
Public liability | No excess | £750 |
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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