From restaurants to busy takeaways, from catering firms to bakery shops, whatever type of food business you run, you face various daily risks.
Whether it's a customer tripping on a loose tile, a member of staff slipping in the kitchen, or a fire in the store room wiping out all your stock, accidents and injuries can happen—even with robust measures in place to manage these risks.
Imagine the impact on your business if a customer claims your food has given them food poisoning. The financial consequences and reputational damage could be devastating.
Because we are a broker, we have access to a wide range of food business policies from leading UK and specialists. We search the market for you and can offer flexible insurance solutions to suit your business.
While we can’t prevent accidents from occurring, we can ensure you have adequate cover in place to protect your business. This means you can pick and choose which types of cover you need. And because each policy is tailored to fit your specific needs, you won’t waste money on cover you don’t need.
Speak to our team of experts in food business insurance for a free, no obligation quote.
Contact our team to receive a no obligation, instant quote today.
Public and product liability.
Flexible payment options.
Access to a 24-hour legal helpline.
Access to documents anytime, anywhere via our secure portal.
Accidental damage.
Book debts/account receivable.
Access to a 24-hour legal helpline.
Buildings cover.
Business equipment.
Business interruption.
Contents insurance.
Embedded breakdown.
Employers liability insurance.
Glass.
Goods in transit.
Legal expenses.
Loss of licence.
Loss of rent receivable.
Money in safe / on premises.
Stock.
Subsidence.
Tenants improvements.
Terrorism.
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
The specific insurance you need for your food business may vary depending on factors such as your location, size, and the services you offer.
Our team of specialist brokers can assess your needs and arrange a tailored policy based on your requirements.
The cost of insurance for your food business depends on your needs. Our flexible policies can be tailored to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers – each with different features and prices. We'll find you several possibilities to ensure you have all the information you need before deciding on the best option for you.
Our food business insurance policies can be adapted to fit your requirements. Whether you run a restaurant, a bar, a takeaway shop or a small catering firm, we can match you with the right policy at the right price.
As a business providing food to the public, you'll adhere to the relevant health, safety, and food production measures, but things can still go wrong. You need public liability insurance to cover you if, for example, someone has an allergic reaction to your food and they make a claim against you.
In addition to public liability, here are some common types of insurance coverage to consider:
Employers liability—should a staff member become ill or injured when working. This insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.
Contents insurance—covers your essential equipment such as fridges, food storage or display units and cooking apparatus from accidental damage, including fire, floods or theft.
Stock insurance—protection if a flood destroys your food or other consumable items.
Business interruption—protects your income if you're faced with a situation that prevents you from dishing up; your cooker breaks down or your premises are flooded, for example.
You Could Save Over 30%*
