Takeaways face a range of risks specific to food preparation, customer visits, and business and premises risks, in particular:

• A customer could slip, trip, or fall while visiting your premises.
• A member of staff could injure themselves while on the job (e.g. cuts from handling knives, scalding from using a fryer).
• Fire or flooding could damage your premises or equipment, forcing you to close while you arrange for replacements or repairs.
• Thieves or vandals could target your takeaway for theft or criminal damage.
• A power cut could affect your fridges and freezers, causing your stock to spoil.

Any of these situations would result in financial losses, and potentially some legal trouble, for your takeaway. Dedicated takeaway insurance will cover you for these risks, and more.

• Public liability insurance – This will cover any compensation payments if a customer or another member of the public injures themselves while visiting your takeaway.
• Employer’s liability insurance – This will cover your staff for any accidents or injuries they suffer while working for you. Please note: If you employ any staff, then you have a legal requirement to get employer’s liability insurance, even if your employees are family members.
• Product liability insurance – This can cover any incidents arising from the food and drink you sell, such as compensation payments following a bout of food poisoning.
• Contents and premises insurance – In the event of fire, flood, break-in, or vandalism, this can cover your equipment, along with your takeaway premises, for any repairs or replacements.
• Stock insurance – This can cover you for any stock losses as a result of electrical failures, and other incidents.
• Business interruption insurance – If you need to temporarily close following an incident, business interruption insurance can cover your expenses while you work on repairs etc.
• Legal Fees – Helps cover the cost of legal advice and representation if your business faces a legal dispute. Some policies may also contribute towards certain employment‑related compensation awards, subject to policy terms and insurer approval.