FREQUENTLY ASKED QUESTIONS Our most asked questions
What are common food insurance claim types?
Working in the food industry can be tricky, on top of all the challenges that any business faces, food retailers and suppliers have to think about other types of food insurance claims that are more common than you think. For example:
- Food becomes unfit for consumption when a fridge or freezer breaks down.
- A customer unwittingly eats something they are allergic to, but weren’t aware it was an ingredient.
- Customers develop food poisoning after eating food prepared on your premises.
Can you insure the improvements you make to your takeaway shop?
Yes, if rented, we can insure most improvements that you make with the landlord’s permission to your shop. These improvements can be permanent or temporary, including fixtures, alterations, installations or any other additions that improve the premises. The landlord’s insurance policy won’t pay for the cost to reinstate the improvements as a result of a claim as they belong to you. For example we can help you insure against loss or damage to your improvements if you install a new display, signage or counter.
What level of public liability insurance does my takeaway need?
Public liability insurance effectively protects you should a member of the public be hurt on your premises. So, the level of cover required by your take away depends on various factors. These include the size of your business, the equipment you use and the potential extent of any injury that could be caused resulting in compensation claims when something goes wrong. Complete our online quote today or call our team and we can help you determine the right level for you.
Business Insurance Blog For all the things business & insurance
Helen Bush Named Director at The Insurance Octopus
Leading commercial insurance broker, The Insurance Octopus, has appointed H...
Cyber 101: The Basics of Cyber Security
Would you be comfortable living in a house where all the doors are left wid...
The Insurance Octopus has been shortlisted for the British Insurance Awards 2021!
The Insurance Octopus has been announced as a finalist in the Commercial Li...