When it comes to your takeaway and café insurance, from business interruption through to liabilities we have you covered

Whether you run a fish and chip shop or a pizza takeaway, when it comes to your insurance, from business interruption to liabilities we have you covered.

With a range of our optional covers available, our competitive takeaway and café insurance policies are adapted to meet your needs. That way, you only pay for the cover you need.

We work alongside the UK’s leading insurers to meet the needs of takeaways and cafés of all sizes across the UK.

Takeaway and Café insurance features

Standard Cover increase limits Optional Extras  extend your cover
Public Liability 

for injury to the public or damage to their property

Products Liability

covers you in the event your product (food or drink you serve) causes injury or damage to a person or their property

Employers Liability

covers you for compensation if an employee is injured or becomes ill because of the work they do for you on and off site

Business Interruption

covers you for loss of profits following an insured loss

Content and Stock

content and stock cover for your takeaway  

Deterioration of Stock 

covers your perishable stock following the breakdown of your freezer or refrigeration

 

Buildings Insurance 

covers the property itself, such as the roof and slates, fixtures and fittings and any outbuildings should you need to rebuild it

Commercial Legal Expenses

covers you for the cost of defending legal claims made against you and your business

Frequently Asked Questions

You can find the answers to our most frequently asked questions below.

Why do I need insurance?

Running a business is risky. Insurance is there to protect your business from risks, claims and losses. Every day we learn about fires and other incidents leading to businesses collapsing overnight. Having insurance in place helps you get back on your feet quickly.

By law as an employer there are financial obligations to compensate your employees and customers that can only be met through an insurance policy. My Business Cover offers takeaways and cafés a package tailored to meet their specific needs managed under one policy. 

If you’re unsure about your insurance needs or if there is anything you do not understand please contact us or you can submit your query here

My Business is a start-up, can I still get cover?

yes you can.

If I find a lower quote would you be able to match or even better it?

If you already have obtained a quote elsewhere, please contact us with your quote request. Please have with you your current target premium to hand in order for us to provide you with a competitive quote. We then approach underwriters on your behalf.

What is the policy duration?

The policy has a 12 month period of insurance (unless shown differently on your policy schedule) and is renewable every year.

Am I covered instantly?

Once you have submitted your proposal form and having conducted a fair analysis of the market from our panel of insurers we seek to obtain the most appropriate terms on your behalf.

Once we have confirmed that you are covered and your policy is live, you are insured from that point onwards. We then issue you with your policy documentation and our information sheets as downloadable PDF’s. Unless requested, we don’t send out any paper documents, but you are able to print everything as backup to refer back to in the future.

Can I spread the cost of my policy?

Yes, there is an option of making your annual premiums/fees affordable by spreading the payment over monthly instalments. To find out more about this option please contact us

How do I cancel my policy?

If you decide to cancel your policy, just to let us know. You’ll receive a full refund if you cancel your cover within 14 days of setting it up (the ‘cooling off period’).

After this period, you may cancel your policy by giving us 30 days written notice of your intention to do so. The insurer may cancel your policy by giving us written notice; the duration of which will be detailed in the policy wording.

Beyond the 14 day cooling off period, cancellation terms may differ between insurers. Some insurers may be willing to return a pro-rata premium of up to 3 or 6 months after inception of the policy. However, after this period no refunds will be given. Any refunds may take up to 60 days to process.