Food Business Insurance

We're Here to Help With Your Food Business Insurance 

From restaurants to busy takeaways, outside catering to manufacturing and supplying retailers, whatever type of food business you run, you face various daily risks. 

We understand you strive to deliver great service—often in pressurised, busy environments. The rewards of running your food business can be amazing, but things can go wrong. When they do, you need to know you have protection that gives you peace of mind, so you can focus on pleasing your customers with your culinary delights.  

Here at smei, we can arrange cover that protects your food business. We have a panel of carefully selected leading UK insurers that offer a menu of small food business insurance that can be adapted to suit your needs. 

How our Food Business Insurance Experts can Help

Our team of experienced advisers has a hunger to understand your food business and work out the protection you need. 

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.

We're here to arrange insurance that can cover your risks, including product and public liability insurance for food businesses, employers liability, buildings, contents, and stock. This essential insurance will cover compensation claims and any associated legal costs defending your claim.

What can Food Business Insurance Cover?

Public and product liability—if someone is injured or their property damaged due to your business.

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 your fridge breaks or a flood destroys your food. Your stock will also be covered while in transit.* 

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.