Takeaway insurance: what cover do you need?
A takeaway usually needs liability cover, protection for equipment and stock, and separate motor cover for any delivery driving. Fryers and late opening are the points insurers ask about most.
Deep-fat frying
Thermostats, fire suppression and staff training can all affect cover.
Late-night trade
Opening late can raise theft and damage risk. Shutters and CCTV help.
Delivery drivers
Ordinary car insurance usually excludes delivering food. Drivers need hire-and-reward cover.
Food safety
Product liability can respond if a customer becomes ill from food you sold.
- Cooking equipment and fire protection
- Opening hours
- Turnover
- Security and location
- A list of cooking equipment
- Your opening hours
- How deliveries are made
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More guides: What insurance does a restaurant need? · Insurance for food delivery drivers
General guidance only. Cover depends on policy terms, conditions and exclusions.