You only have to stroll through your local town centre to observe the variety of takeaways that have sprung up over the years. You will possibly see a Chinese takeaway, Indian takeaway, pizza takeaway or a burger takeaway to name some of the most popular.
If you are considering buying a takeaway or own one already you will be aware of numerous regulations that you need to comply with in particular relating to food hygiene. However, an important area that should receive your attention, if it has not done so already, is Takeaway Insurance.
You may wish to include such things as buildings and contents/fixtures and fittings/frozen food cover so that should the property or contents/fixtures and fittings/frozen food be damaged in a fire, flood, storm or be stolen you would have the peace of mind of knowing that these things are insured and can be replaced at very little cost to yourself. Just think of all the different types of equipment that you possess such as pizza ovens, industrial cookers and tills. This would enable you to replace any items lost or damaged in the likes of a fire including, if necessary, rebuilding or repairing the building.
Other risks that you may wish to include in Takeaway Insurance are Employers' Liability Insurance that is a legal requirement if you employ anyone. This would cover the business if an employee sued you for a substantial sum of money as a result of suffering an injury whilst at work.
Public Liability Insurance could be arranged to support you both legally and financially should a member of the public be injured or killed whilst at the takeaway or should they be taken seriously ill through food poisoning or have any of their property damaged and sue you. You could also consider Goods in Transit insurance and cover for your stock.
Business Interruption Insurance would provide cover to replace the income that you would lose if you had to shut down the takeaway for an extended period of time whilst repair works were carried out following say a fire.
Without any obligation on your part, we can help arrange for you to be provided with a competitive Takeaway Insurance quotation to peruse at your leisure.