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Does Takeaway Insurance Cover Food Poisoning, Burns & More? Our Guide
Running a takeaway or fast food business in the UK can involve managing a fast-paced environment where accidents and food safety risks may arise.…
TakeawayInsurance
Takeaway Insurance
Public liability, product liability and employers’ liability cover built for takeaways and fast food businesses.
Public liability, product liability and employers’ liability cover built for takeaways and fast food businesses.
Kitchen equipmentDelivery driversAllergen claims
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is takeaway insurance?
Takeaway insurance is a combination of covers built around preparing and serving food to go, public liability for customer injury, product liability for the food you serve, and employers’ liability if you have staff.
Fryers, grills and late-night trading all bring their own risks. Standard cover needs to reflect how a takeaway actually operates, not just a smaller version of a restaurant.
Takeaway insurance can include:
Public liabilityEmployers’ liabilityProduct liabilityBusiness contents & stockLate-night trading coverBusiness van insurance (separate policy)
Cover often bought alongside takeaway insurance
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Product Liability
Covers claims that food you’ve served caused illness or a reaction.
Business Contents
Protects kitchen equipment, stock and fixtures.
Tools & Equipment
Covers kitchen equipment against breakdown and damage.
Are your delivery drivers covered?
Are your delivery drivers covered?
It depends who’s doing the delivering, your own staff or a third-party platform.
It depends who’s doing the delivering, your own staff or a third-party platform.
| Situation | Your responsibility | Who’s covered |
|---|---|---|
You employ your own delivery drivers | Yes, employers’ liability applies | You need employers’ liability for them |
A driver uses their own car for deliveries | Yes, check their own insurance covers business use | Their personal car insurance may not cover business deliveries |
You use a platform like Uber Eats or Deliveroo | Usually not, the platform is responsible | The platform’s own insurance typically applies |
A customer’s order is damaged in transit | Check your policy for goods in transit cover | Not automatically included in standard cover |
Top Tip
If a delivery driver uses their own car for your business, check they have business use cover, a standard personal car policy usually doesn’t include it.
How much does takeaway insurance cost?
There’s no fixed price. It depends on your cooking equipment, whether you deliver, your trading hours and your claims history.
Cooking equipment
Deep fat fryers and grills carry more fire risk than lighter food prep.
Trading hours
Late-night trading can affect your risk profile.
Number of staff
More employees increase your employers’ liability exposure.
Level of cover
Adding product liability or a higher limit increases your premium.
Delivery method
Own drivers, third-party platforms or collection-only all carry different risk.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get takeaway insurance
How to get takeaway insurance
Getting takeaway insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting takeaway insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your business
Your equipment, trading hours and whether you deliver.
2
Choose your covers
Public liability, product liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Takeaway insurance guides
Takeaway insurance guides
Delivery drivers, hot oil and allergen labelling on takeaway orders.
Delivery drivers, hot oil and allergen labelling on takeaway orders.
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Takeaway insurance FAQs
Takeaway insurance FAQs
Straight answers on cover, deliveries, fire risk and cost.
Straight answers on cover, deliveries, fire risk and cost.
Takeaway insurance is a combination of covers built around preparing and serving food to go: public liability for customer injury, product liability for the food you serve, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.