Takeaway Insurance

The nature of running a takeaway comes with lots of risks for you and your customers. 

• A customer gets food poisoning from the food you’ve provided  
• Accidental fires caused by fryers 
• An employee suffers a bad burn during a shift 
• A customer slips on a greasy floor and injures themselves 

Not only do you need cover to protect your staff, but also your customers, your premises and your bank account. Without proper cover, you could end up paying out of your own pocket if someone makes a claim against your business or if you need to make a claim. 

Takeaway insurance covers most takeaways, no matter your cuisine. Here are some examples: 

• Kebab shops 
• Pizza shops 
• Fish and chip shops 
• Chicken shops 
• Indian takeaways 
• Chinese takeaways

Takeaway insurance is not suitable for restaurants and cafes that allow customers to eat in. So if you’re takeaway has seating or you offer table service for customers to eat in then you’ll need a cafe insurance or restaurant insurance package instead. This is better tailored to the risks of having an eat-in service. 

Prices could start from around £1.47 a day*

But no two insurers are the same, and the following may affect the price of your premiums:  

• Extent of cover - The more additional cover you opt for, the more likely it is to be more expensive 
• Your insurer - The insurer you choose may also influence costs. At Bionic, we work with specialist hospitality insurance providers.
• Location  – Where your takeaway is located is taken into consideration when calculating the price of your premiums. A takeaway in a high foot traffic area, prone to theft or fire risk, or in a region with frequent claims may face a higher premium than one in a lower-risk location. 
• Claims history - If you have a history of claims such as fire, flood or injuries, your premium may be higher. 

The quickest and easiest way to find out your takeaway insurance cost is to start a quote online with Bionic. Get in touch with a member of our insurance team to find out how much you’re looking at paying for an annual restaurant insurance policy. 

_{*The price is for a takeaway customer – 10% of customers who were sold with one of our panel providers paid £564.41 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £44.65 a month or £1.55 a day (and excludes the extra costs for paying monthly). Your actual price and policy may vary depending on your business requirements.}

Insurance can be a big expense, but there are practical ways you could keep costs under control without sacrificing the protection you need. Here are several ways you could reduce the costs of your business insurance: 

• Demonstrate good risk management - Showing your insurer that you take risk management seriously, including maintaining high hygiene standards, ensuring food safety and safe equipment use, could help lower your insurance premiums. 
• Safety and security features - Installing safety and security measures, such as fire alarms CCTV, burglar alarms, and secure locks, could make your takeaway less risky to insure. 
• Compare at renewal each year – Staying with the same insurer doesn’t always guarantee the best premium. When renewing your cover consider all your options to ensure you’re getting the right deal for the cover you need. 
• Use an insurance broker - At Bionic, we have access to a wide range of hospitality specialists. When it’s time to renew, we search the market again for competitive premiums to make sure you’re getting a fair deal while ensuring you’re properly protected. You can opt out of renewals at any time. 

At Bionic, we celebrate and champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to find you the right cover.

Our UK-based team helps businesses compare business insurance quotes to find the right insurer that fits. Get in touch with us today by starting a quote online.