As a business offering a wide range of products and services, your time is most productively spent invested into growing your business. Your premises are the single most factor in succeeding, be it the stock or the shop front that customers are presented with as they enter. If your shop front were to be damaged in an incident, this would probably be a deterrent to your customers and may impact financially. Key points when considering the elements of your policy would be, what are your trading hours? What is the value of the stock you hold? Do you own or lease the premises?
We would suggest the following insurances as being key to restaurants & takeaways, and you should consider these as elements of your policy;
Public Liability Insurance
Employers Liability Insurance
Business Buildings & Contents Insurance
Professional Indemnity Insurance
Legal Expenses Insurance