Restaurant & Takeaway Insurance
Effective cover for the hospitality sector.
If you own and run a restaurant or takeaway establishment, it is important to have the correct cover to help protect your business should anything happen.
Business contents insurance is crucial for protecting valuable kitchen equipment and stock within your restaurant or catering business. While not legally mandatory, it provides peace of mind against potential losses due to theft, damage, or other unforeseen circumstances.
As you are providing goods to the public and preparing food, it is essential that you have the correct restaurant or takeaway insurance which includes product and public liability.
If customers are also collecting goods from your premises, it is important to have the correct cover to help protect you from injury claims from members of the public visiting your establishment.
- Award Winning In-House Claims Team
- Lloyds of London Commercial Broker
- Independent Broker Since 2001
DO I NEED RESTAURANT INSURANCE OR TAKEAWAY INSURANCE?
It doesn’t take a lot for hiccups to happen in a fast-paced environment such as a restaurant. A slip in the kitchen or a complaint from a customer with an allergy can happen to anyone, so having the right restaurant business insurance in place, tailored to different types of restaurant operations, can really help your business should anything happen.
If you employ any staff at all, you are legally required to have employers’ liability insurance. SJL Insurance Services can build this into your policy.
If you have customers into your establishment, then it is strongly advised that you have public liability insurance to protect you against any injuries or accidents that could occur.
If you’re unsure of what insurance cover you might need for your restaurant or takeaway business, please speak to one of our experts.
DO I NEED INSURANCE IF I AM ONLY PROVIDING DELIVERY AND/OR TAKEAWAY SERVICES?
Even though you might not have customers coming into your establishment, you are still providing the public with products and are therefore liable should anything happen.
It is therefore important that you have product liability insurance, which will protect you should anything you serve cause harm (i.e. food poisoning). Additionally, comparing business insurance policies can help you find the right coverage for delivery and takeaway services, ensuring you are adequately protected.
You will also require cover for your employees. Employers liability insurance is a legal requirement for any business that hires staff.
IS MY BUSINESS ELIGIBLE FOR RESTAURANT INSURANCE OR TAKEAWAY INSURANCE?
If you own a restaurant or takeaway food establishment of any size, you’re eligible for insurance. SJL Insurance Services can support your business and individual needs with a bespoke policy suited to you. Our restaurant insurance cover includes various types of coverage such as public and product liability insurance, employers’ liability, and coverage for equipment and stock, ensuring tailored solutions for your unique operations.
We can provide insurance for the following businesses:
Restaurant Insurance – covering cafes, fine dining restaurants and bistros
Takeaway Insurance – covering food vans, fast food establishments and food stalls
If you’re unsure that your business is eligible for takeaway/restaurant insurance, speak to our specialist team.
Looking for pub, bar and nightclub insurance or hotel insurance? Check out what else we have to offer in our hospitality sector
WHAT IS COVERED IN TAKEAWAY AND RESTAURANT INSURANCE?
SJL Insurance Services provides cover for businesses, no matter the size.
We have access to an array of insurance products, meaning we can source the best policy and price for your business.
Our restaurant insurance and takeaway insurance can include cover such as:
- Employer’s Liability – a legal requirement to all employers, this protects you against employee accidents and injuries.
- Product liability – if a product you’ve supplied (i.e food) causes anyone harm, this cover helps with covering costs of claims or compensation.
- Public Liability – protection against claims made by the public following an injury on your premises.
- Contents – for damage to equipment, fixtures and fittings.
- Stock – in case anything happens to your stock including food, ingredients and packaging.
- Business interruption – in the event of your business being halted, this supports with loss of revenue.
- Theft – cover for theft of property or equipment.
- Goods in transit – cover for damage or theft to goods transported within your business.
- Buildings – protection for your businesses’ building.
- Commercial Legal Expenses – provides cover for legal costs that might not be covered by your general business insurance.
Contact our team on 01905 27775 to find out more.
HOW MUCH DOES RESTAURANT INSURANCE AND TAKEAWAY INSURANCE COST?
As insurance brokers, we have access to a large number of insurance products, meaning we can search and build the best policies for our clients. Determining the exact restaurant insurance cost can be complex due to various influencing factors such as policy elements and individual circumstances. Therefore, it is crucial to obtain a personalised quote to better understand the pricing tailored to your specific needs.
No matter the size of your business, from a food truck to a Michelin star, we can help provide the correct policy for your establishment.
Our approach is bespoke, so the cost of insurance is too. We work with you to build a policy that fits your business, so you’re not paying for any cover you don’t need.
To find out why you should choose SJL Insurance Services for your takeaway or restaurant business, visit our page or find out directly from our clients on our
Restaurant & Takeaway Insurance Frequently Asked Questions
What is restaurant and takeaway insurance?
Restaurant and takeaway insurance is specialist business insurance designed to protect restaurants, cafés, takeaways, food delivery businesses, and fast-food establishments against risks such as customer injury, property damage, theft, fire, stock loss, and legal claims.
Who needs restaurant and takeaway insurance?
Restaurant and takeaway insurance is suitable for restaurant owners, takeaway businesses, cafés, coffee shops, food vans, fast-food outlets, bistros, and food delivery operators. Tailored cover can support businesses of all sizes within the hospitality sector.
What does restaurant and takeaway insurance typically cover?
Restaurant and takeaway insurance can include public liability insurance, product liability insurance, employers’ liability insurance, contents cover, stock insurance, buildings insurance, business interruption insurance, theft protection, and legal expenses cover depending on the policy requirements.
Is public liability insurance important for restaurants and takeaways?
Yes. Public liability insurance is essential for restaurants and takeaways because it helps protect businesses against claims if a customer, delivery driver, or visitor suffers injury or property damage while on the premises.
What is product liability insurance for restaurants and takeaways?
Product liability insurance helps protect food businesses if food or drink supplied causes illness, allergic reactions, or harm to customers. This cover can help with legal costs, compensation claims, and associated expenses linked to food safety incidents.
Is employers’ liability insurance legally required?
In the UK, most restaurants and takeaway businesses employing staff are legally required to have employers’ liability insurance. This cover protects businesses against claims from employees who suffer work-related injuries or illnesses.
Does restaurant and takeaway insurance cover delivery services?
Yes. Specialist takeaway insurance can include cover for delivery and takeaway operations, including risks linked to food deliveries, customer collections, and goods in transit. Businesses offering takeaway-only services may still require product and liability insurance.
What is business interruption insurance for restaurants?
Business interruption insurance helps compensate restaurants and takeaway businesses for lost income if operations are disrupted due to an insured event such as fire, flooding, equipment failure, or major property damage.
How much does restaurant and takeaway insurance cost?
The cost of restaurant and takeaway insurance depends on factors such as the size of the business, type of food served, location, turnover, number of employees, claims history, delivery operations, and the level of cover required.
Why is specialist restaurant and takeaway insurance important?
Restaurants and takeaway businesses face unique risks linked to food preparation, customer interaction, delivery services, and busy kitchen environments. Specialist insurance helps protect businesses against costly claims, operational disruption, and unexpected financial losses while ensuring cover is tailored to the hospitality industry.
and have peace of mind knowing that you're protected.
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