Business insurance for Food businesses

Whether you’re producing ready meals or delivering fast food for busy people on the go, if you’re working in the food business, insurance is critical for your operation, the public, your equipment and your own peace of mind. A comprehensive business insurance policy will make sure you’re covered against anything from claims of food poisoning to your premises being damaged by flooding or a fire. 

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Insuring your food business

Running a food business, whether you’re a takeaway retailer, a restaurant, or a manufacturer can be rewarding as well as demanding. Despite your best efforts, things can go wrong, such as a claim for food poisoning, a fire that damages your premises, or a defamatory social media post. Business insurance covers you for those unexpected times with a tailored policy covering public liability, professional indemnity and business interruption. It gives you the peace of mind of knowing you’re protected.

Why you need insurance for food businesses

Food poisoning

Fast-food is all about the here and now, but if the meat on a pizza isn’t quite cooked it could be more than food you’re delivering to a customer who becomes ill. If someone makes a claim for food poisoning, you’ll be covered by public liability insurance. Even if you don’t feel it’s your fault, you’ll still have to defend yourself, so we’ll cover you for the cost of defending a legal case and any settlement.

Plastic found in a ready meal

If you’re selling a range of prepared meals to high street retailers and a customer finds a sharp plastic object in one, it’s a problem. Even if they’re not injured, it’s not acceptable and they may well take legal action against your business and the retailer. Product liability insurance means you’re covered for the legal costs of defending the case and any settlement, whatever your involvement is with a product line.

Oven breaks down

Your ovens are key to baking bread for customers and retailers. If they’re damaged by a power surge you can’t produce anything, meaning your income and livelihood are under threat. Business interruption insurance covers you against the loss of income as a result of the damage, so you can keep any losses to a minimum and take away some of the stress while your ovens are repaired.

Not sure what you need?

If you’re not sure what you need, tell us a little more about your food business. We’ll help you to build your quote and explore any other insurance needs.

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Key types of insurance for food businesses

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These are just some of the types of business insurance for food firms that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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