Is product liability insurance essential for food businesses?

Yes. Product liability insurance is essential for food businesses as it covers claims arising from food poisoning, allergens or contaminated food.

Does takeaway insurance cover food spoilage?

Many policies can include cover for food stock spoilage caused by power failure, refrigeration breakdown or insured events.

Do cafés and takeaways need employers’ liability insurance?

Employers’ liability insurance is a legal requirement in the UK if you employ staff, including part-time or temporary workers.

Does insurance cover cooking and catering equipment?

Yes. Catering equipment such as ovens, fryers, coffee machines and refrigeration units can be insured against fire, theft and accidental damage.

Insurance for Takeaways, Cafés & Retail Food Shops

Q: What insurance does a takeaway or café need?

Most takeaways and cafés need public liability, product liability, employers’ liability, stock insurance and equipment cover.

Q: How much does takeaway or café insurance cost?

Premiums depend on turnover, opening hours, cooking methods, equipment value and claims history. Insure24 provides tailored quotes for food retail businesses.

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Specialist insurance for takeaways, cafés, sandwich shops, bakeries and food-retail businesses

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We compare quotes from leading UK food & retail insurers

TAKEAWAY & CAFÉ INSURANCE THAT PROTECTS YOUR BUSINESS

PUBLIC & PRODUCT LIABILITY
STOCK & FOOD SPOILAGE
EQUIPMENT & CONTENTS
EMPLOYERS’ LIABILITY

Why Takeaway & Café Insurance Is Essential

Food-based retail businesses face higher-risk exposures including hot equipment, food hygiene, allergens, customer footfall and staff injury risks. A specialist policy ensures your business stays protected and compliant.

What Does Takeaway & Café Insurance Cover?

Public Liability – customer injury or property damage claims
Product Liability – food poisoning, allergens & contamination
Stock & Food Spoilage – refrigeration or power failure losses
Equipment Cover – ovens, fryers, coffee machines & fridges
Employers’ Liability – legal cover for staff injuries
Business Interruption – loss of income after insured events

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Common Risks for Takeaways & Cafés

Food poisoning & allergen exposure
Slips, trips & burns to customers
Fire from cooking equipment
Theft & vandalism
Equipment breakdown & stock loss
Environmental health enforcement action

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Why Choose Insure24?

Specialists in food retail & takeaway insurance
Cover for single sites or multiple outlets
Competitive premiums & flexible limits
UK-based advice & claims support

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

FREQUENTLY ASKED QUESTIONS

+- What insurance does a takeaway or café need?

Most takeaways and cafés require public liability, product liability, employers’ liability, stock and equipment insurance.

+- Is product liability essential for food businesses?

Yes. Product liability protects against claims arising from food poisoning, allergens or contaminated food.

+- Does insurance cover food spoilage?

Many policies include cover for food spoilage caused by power failure or refrigeration breakdown.

+- Do takeaway owners need employers’ liability insurance?

Employers’ liability insurance is a legal requirement if you employ staff, even part-time.

+- How much does takeaway or café insurance cost?

Costs vary based on turnover, opening hours, cooking methods, equipment value and claims history.