Restaurants and takeaways tend to be high risk businesses on several platforms; as generally a high pressure work environment for staff, restaurants tend to be a more accident prone setting. Health and safety, hygiene, even when stringently applied are not completely fool-proof and mishaps in the premises can be damaging not only financially but reputationally too. As a business handling large amounts of cash, there is also a risk of theft. Key points when considering the elements of your policy would be, what are your trading hours? Do you hold an alcohol license? Do you own or lease the premises? What is your local authority hygiene rating?
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
Legal Expenses Insurance
Tools & Equipment Insurance