Kebab Shop Insurance

Kebab Shop Insurance

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Late opening and long hours mean your kebab shop insurance must protect against a slightly different set of risks than other types of insurance. That’s why it’s essential to have the right policy in place which protects against the specific risks you and your business will be exposed to. 

At Brisco Business, we understand the importance of having the right insurance policy. Our platform can help you find the right protection, whether you’re looking to protect against deterioration of stock, damage to your premises or compensation claims made by members of the public. With our help, you’ll be protected from all the risks which come your way.

Compare quotes for kebab shop insurance along with many other types of restaurant insurance with Brisco Business now and find a policy with covers to meet your needs.

We partner with some of the UK’s most trusted kebab shop providers, so that you can compare insurance quotes and choose the options that suit you best.

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Why do I need a specific kebab shop insurance policy?

Every restaurant will be different. It will open for certain opening times, cater to different types of people, have different footfall levels and certain financial requirements. A more generic policy will not be tailored to your specific requirements as a kebab shop, so it is essential that you have the right cover in place when you need it.

What if I have to close?

The idea of closing your doors might feel like a nightmare for many businesses. However, sometimes it’s unavoidable. If your policy allows for interruption to your business, it can help you stay afloat until you open your doors once again. You will have cover for loss of profits as a result of closure following damage to your kebab shop by fire, flood or storm for example. 

How are premiums decided?

Insurance is essentially a risk assessment exercise. If the company views you as a higher risk, they will make you pay higher insurance premiums. They may look at when you’re open, how many customers you serve and the value of your property as well as any claims you have made in the last five years.  The area your kebab shop is in and the risk of vandalism will also affect your premium.

How do I know how much cover I need?

It’s important to have the right amount of cover in place. Too little could leave you financially exposed. You should perform a risk assessment to see what damage you might want to protect against and calculate the total rebuild cost of the building or replacement cost of contents. This lets you know how much you will need to be covered for. 

Are there any exceptions?

Sometimes. If you have failed to take proper appropriate precautions such as locking the shop at night it may invalidate your insurance. Make sure you understand the small print so you know what will and what will not be covered.  When you take a quote with Brisco Business, you’ll be presented with quotes from leading insurers and can compare the policy cover to ensure you choose a quote that best suits your needs.

Who needs takeaway shop insurance?

Any takeaway shop that offers fast food like kebabs, burgers, pizza and chicken to customers requires takeaway insurance to protect them at all costs. This is due to these premises naturally being a hotbed of activity late at night and at weekends which increases the potential risks.

What insurance is needed for a takeaway shop?

You will need to have employers liability insurance if you have any staff working for you. Employers liability insurance is a legal requirement in the UK if you have any employees, and it will protect you in the event that they are injured or become ill as a result of their work.

Do I need public liability insurance for a takeaway shop?

No, you are not legally required to have public liability insurance for a takeaway shop. However, it is highly recommended as it can provide vital protection for your business. If someone is injured or their property is damaged as a result of your business activities, public liability insurance can help to cover the costs of any compensation that you may be liable to pay.

What is takeaway shop insurance?

Takeaway insurance is a type of business insurance that is designed specifically for businesses that serve food to customers who take it away with them. It can provide cover for a wide range of risks, including food poisoning, fire, theft, and damage to your premises or equipment.

So, while public liability insurance is not a legal requirement, it is a business insurance you should seriously consider.

What happens if you get caught without takeaway insurance?

If you’re caught running a takeaway shop without taking out a takeaway insurance policy, you could be fined as much as £2,500 per day. Furthermore, if an employee is hurt and you don’t have coverage, they may sue you personally for compensation. This could potentially ruin you financially if you don’t have employers liability insurance.

What is covered under public liability insurance?

Public liability insurance can provide cover for a wide range of risks, such as injury to members of the public, food poisoning, and defamation. In addition, it can also help to cover the costs of any legal action that is taken against you as a result of these risks.

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