Restaurants & Takeaways Insurance
Restaurants and Takeaway businesses, like most physical businesses, are vulnerable to many risks; a good insurance policy ensures that these businesses are covered against potential claims and financial losses in case of a mishap or an incident.
A restaurant owner is responsible for the safety of its employees, visitors, and possessions. In case of physical or mental damage to any of these persons or their possessions, the restaurant may be held responsible and sued in court. An insurance policy can cover you against legal, medical, product, and employer liability costs.
What does it include?
The restaurant or takeaway insurance policy is designed in view of the size and scale of every business; if it is sole ownership or a chain of hotels, it affects the extent of coverage included in the policy. Commonly following things are covered in a restaurant’s insurance policy.
- Public liability
- Employer’s liability
- Product liability
- Stock Insurance
Who should get it?
All food-related businesses, whether dine-in restaurants or takeaway shops, food delivery services or online food stores, should consider taking this policy. A food business has many risks attached, such as:
- Allergic reactions from your food
- Food poisoning due to old or expired food ingredients
- Food contamination during the cooking or takeaway
