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Takeaway insurance
Protect your business from fire, theft, and liability claims
Stay legally compliant with the right insurance in place
Tailored policies from a wide panel of leading insurers
Helping businesses with insurance for over 70 years
Finding you the best cover
We have a wide panel of insurers to discover suitable quotes and tailored cover for your needs.
Experts
Our team of insurance specialists have more than 70 years of experience in the industry.
Personalised cover
Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.
More than just insurance
Radius offers telecoms, fuel cards, telematics, insurance, electric vehicle charging, energy and vehicle solutions to businesses across five continents.
Search our panel of insurance specialists to find competitive cover
We work with a range of hospitality insurers from household names to small specialist insurers to find the best policy for your business.
Three simple steps
The fact find
Complete the online question set or speak to one of our agents.
Search the market
We identify the policy that best suits your business requirements.
Your business insured
Complete your insurance purchase online in minutes or over the phone.
Get a quote
Why takeaway insurance is needed
There are inherent risks in running a takeaway business — kitchen fires, customer injuries, or even a claim if your food or service makes someone sick. Without the right insurance, unexpected events can cause significant financial strain or even permanent closure. From employees to equipment, there are many elements that require coverage.
That’s where specialist takeaway insurance comes in. This insurance protects your business against a range of challenges, from accidents to liability claims. It helps you recover quickly from issues that arise, so you can continue serving customers without costly setbacks.
Benefits of insurance for restaurants
- Financial protection: Fire, theft, customer claims – unexpected events like these can result in significant expenses. Takeaway insurance prevents you from covering the associated costs out of pocket.
- Legal compliance: Do you have staff? Employers’ liability insurance is a legal requirement. Without it, you risk hefty fines. Public liability insurance also helps protect against potential customer claims.
- Stock and equipment cover: Pricey kitchen equipment is a necessity for takeaways. Perishable stock can also be lost due to power failures or contamination. Insurance recovers loss and reduces downtime.
- Business continuity: Unexpected incidents can force temporary closure from fires to flooding. Business interruption coverage assists in replacing lost income while repairs and recovery take place.
- Delivery risk protection: Many takeaways rely on deliveries. For establishments with their own delivery drivers, insurance keeps them covered for accidents, theft, and vehicle damage while on the road.
- Reputation management: Keep not just your finances protected, but also your company’s reputation. Insurance covers customer claims to prevent splashing out on legal costs and compensation.
What coverage is part of restaurant insurance?
Public liability insurance
Covers claims if a customer is injured, or their property is damaged at your takeaway. Slips, falls, and food-related incidents are included to prevent costly legal disputes.
Employers’ liability insurance
A legal requirement for any business with staff. It covers claims if an employee is injured or falls ill. Lacking this insurance can lead to expensive fines.
Product liability insurance
Customers can suffer illness or injury due to your food. This insurance protects your takeaway against food poisoning, allergens, and contamination claims.
Business interruption insurance
Covers lost income if your takeaway is forced to close due to a major disruption like flooding. It assists in maintaining financial stability during the recovery phase.
Stock and equipment cover
Protects essential kitchen equipment from theft and breakdowns. Stock is also included, ensuring minimal disruption – and financial loss – if something goes wrong.
Food delivery insurance
Standard car insurance doesn’t cover food deliveries. This specialist cover protects both your takeaway drivers and vehicles while they deliver orders.
How much does takeaway insurance cost?
Several factors influence the cost of insurance for takeaway businesses. Business size, location, type of food served, coverage levels – each play a role in how much you’ll spend on insurance coverage. The number of employees and whether you offer direct delivery services also impacts pricing.
Basic policies can start from £350 annually, but this can climb into four-figure territory. Customising your policy guarantees you only pay for what you need. By comparing quotes, it’s possible to secure the best insurance deal for your takeaway.
Finding the best business insurance for takeaways
Choosing the right takeaway insurance can be overwhelming. Radius is here to simplify the process. Our team of specialists works with a panel of 120 insurers to find bespoke cover that meets your requirements. We learn everything we need to know about your takeaway business, ensuring you receive comprehensive protection without splashing out on unnecessary extras.
Whether you need public liability or delivery driver insurance, we secure competitive quotes to suit your budget. With 70+ years of industry experience, Radius supports takeaway owners in protecting their businesses with confidence.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0333 070 5876. We’re here to help you with any questions or concerns you may have.
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Why choose radius?
Our international presence impacts over 470,000 businesses across five continents.
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Our team has over 36 years of experience helping more than 470,000 customers globally
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Can’t find what you are looking for?
Need help? The customer support team at Radius operates across more than 50 offices worldwide, providing local contact with a global presence. Let us know how we can assist you.
Radius Business Solutions (UK), a trading name of UK Fuels Limited, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions Limited is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.