Restaurant and Takeaway Insurance

Restaurant & Takeaway Insurance

As insurance brokers, IC Insurance does all the hard work for you, so let us take care of your insurance needs.You don’t have to worry about anything – we’ll search all companies to find the best quote and provide you with affordable insurance cover on our vast portfolio of products. Our process is also quick and straightforward and offers you handpicked insurance policies you can trust. To request a quote, send us your details and we’ll come back to you within 24 hours on business days.
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Takeaway and Restaurant Insurance to Suit 
Your Requirements

According to a study published by the University of Cambridge in April 2015, the number of takeaway restaurants in the UK has increased by 45 percent in the last 18 years.

If you run a food business, you need to protect your business against specific risks so you can compete effectively in this increasingly competetive sector.

At IC Insurance, we understand the specific challenges and potential risks you face as a food business owner. That is why our brokers collaborate with leading insurers in the industry to design bespoke restaurant insurance packages suited to the unique circumstances, needs, and requirements of your business.

What Risks are Associated with Operating a Restaurant or Takeaway

No two businesses are the same. The sort of risks food businesses face are different from the potential threats associated with other commercial spaces such as offices.

Restaurants and takeaways are public venues with customers and employees constantly coming and going. That is why they require specialised restaurant insurance that address their key risks.

Some of the insurance risks food businesses face are similar to retail businesses but others are unique to dine-in or catering businesses. Common insurance risks include natural catastrophes such as flooding or storms, theft of stock and vandalism.

While your standard building and contents insurance package can provide some measure of protection against these risks, you still need tailor-made coverage against risks unique to your business. These can include insurance cover relating to:


In the event a customer suffers an allergic reaction and gets sick after they consume a meal prepared by your restaurant.


Fleet insurance policies are remarkably easier to manage. That means you can easily add or remove vehicles from your policy.


In case perishable items in your inventory are spoiled as a result of a broken freezer or a major power failure.

Deterioration of stock cover offered by IC Insurance helps by financially compensating you for the wasted goods.

What is Restaurant and Takeaway Insurance?

A restaurant business insurance policy, also known as takeaway business insurance or food business insurance, consists of a combination of covers designed specially to safeguard food businesses and their owners from potential risks such as customer complaints, liability lawsuits, accidents, repairs and damage as well as malfunctions and broken equipment.

Having a comprehensive restaurant business insurance policy in place can help your business enormously and financially support it through challenging times.

What Does Restaurant Insurance Cover?

Restaurant insurance packages by IC Insurance Solutions provide coverage in the following areas:

Public Liability

Public liability cover is essential for your business if members of the public visit your premises

Public liability insurance covers the cost of any legal responsibilities, including legal fees and compensation, that may arise in case members of the public sustain an injury or damage to property in your food outlet.

Products Liability

If your business involves the delivery of food and/or beverages to the public. A products liability cover financially safeguards your business against any injury or property damage caused by your goods.

Comprehensive Contents Cover

A contents cover, also known as a stock cover, protects your equipment, inventory, and supplies from theft, malicious damage, destruction by fire, floods and other insured risks

Glass Cover

A ‘glass cover’ reimburses you for any damage to the glazing in your shop so you can conveniently replace them. Covered installations include shop front, windows, and glass in display cabinets.

Employers’ Liability

Employer’s liability cover is compulsory for most UK businesses with at least one employee.

Employers’ liability insurance protects you against any legal action due to the accidental death or injury of an employee that may be the result of operations associated with your business.

Business Interruption

Also known as business income insurance, business interruption cover provides financial assistance to recompense your loss of income for a set duration of time.

Money Cover

money cover provides financial protection against theft of money from your outlet or whilst in transit to or from your bank

Types of Establishments Covered by IC Insurance Restaurant and Takeaway Insurance Packages

Whether you run a dine-in restaurant, a chic café, a late-night takeaway or a fast food establishment, our business insurance solutions have your food establishment covered.

IC Insurance covers a diverse range of restaurants and food outlets including:


Insurance for Takeaway shop
Snack and Sandwich Bars
Licenced Restaurants
Eateries and Bistros that serve all types of cuisine
Internet Cafes
Fish and Chip Shops

Eateries and Bistros that serve all types of cuisine
Internet Cafes
Fish and Chip Shops

Frequently asked questions about Restaurant or Takeaway Insurance 

These can include natural catastrophes like flooding or storms, theft of stock, vandalism, and specific scenarios, such as allergic reactions from customers, injury, and spoilage of foods due to equipment malfunction. We strive to provide solutions that address these key risks comprehensively.
Various factors, such as the size of your establishment, geographical location, type of cuisine served, specific requirements, and prior insurance claims history, directly affect the cost of restaurant insurance. Our objective is to provide you with all-inclusive, tailored coverage at a competitive price to protect your business fully.
Yes, we understand that every establishment has unique requirements. As such, we offer the option to customise your insurance package with individual add-on covers. Some examples include legal expenses, accidental damage, personal accident, and equipment breakdown. Discuss your specific needs with our specialist advisors, and we will craft a policy that fits your business.

The key to cost-effective insurance is to make your coverage tailored to your specific needs and risk profile. Our team actively assists clients in evaluating their operational and financial risks, equipping them with the tools to reduce and mitigate threats. By adopting a proactive approach to risk management, you can potentially lower your insurance premiums by demonstrating a decreased likelihood of future claims.

Yes, whether your establishment serves vegan, vegetarian, or non-vegetarian cuisine, our insurance packages cater to all restaurant types. We are focused on addressing the unique set of risks and challenges specific to your business, regardless of the food you serve.

We offer tailored insurance solutions to safeguard businesses from a wide range of risks. Allow us to provide you with the protection and peace of mind you need, allowing you to do what you love most: serving excellent food to your customers.

Yes. Whether you're running a dine-in restaurant, a chic café, a late-night takeaway, or a fast-food establishment, our business insurance solutions have you covered. We cover a diverse range of restaurants and food outlets.
Absolutely. Seasonal businesses such as ice cream parlours and pop-up food stalls fall well within our purview. We understand that while your establishment may not operate year-round, it still faces unique challenges that require appropriate coverage.
Depending on the nature of your takeaway business, you might encounter issues such as delivery incidents or accidents. Our takeaway insurance policy takes these peculiarities into account, proposing comprehensive solutions that cover both typical and specific types of risks.

Business interruption cover offers a safety net should your restaurant or takeaway business face an unavoidable closure due to unforeseen circumstances, such as damage from floods or fires. This cover, typically specified in the policy, helps mitigate the loss of income during such periods, providing financial support so your establishment can rebound successfully following the incident.

Certainly yes. If your restaurant or takeaway business evolves or expands, such as increasing seat capacity or starting mobile food delivery, let us know. The changes may affect the risks your business faces, and we will gladly reassess your coverage to make you remain adequately protected as your business grows.

Should you need to initiate a claim under your restaurant insurance policy, please contact us. Our dedicated team will guide you through the claims process efficiently to make it as seamless and stress-free as possible.

Absolutely. At IC Insurance, our team of specialist insurance brokers in Bolton are always ready to assist you. Please share your details, and we will get back to you within 24 hours on business days. You may also give us a call directly at 01204 565 600.

Request a Restaurant and Takeaway Insurance Quote

About IC Insurance

IC Insurance Solutions is a vibrant and enthusiastic insurance intermediary with a passionate team comprising of experienced insurance experts and seasoned brokers. We know the market inside out and our strong partnership with insurance providers enables us to provide comprehensive coverage to you at a competitive price.

If you have got any questions or you want to obtain a free quotation, get in touch with our specialist advisors, right away. Contact our office on +441204 565600 or email us on
To request a quote, send us your details and we’ll come back to you within 24 hours on business days.
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years of expertise

Putting the customer first is at the heart of everything we do here at IC Insurance Solutions

Using our expertise and market awareness we are commited to solving our clients insurance needs by helping them to quantify and manage the risks to their business in the most effective way. Helping clients navigate the insurance market to find the right policy to protect their business at a competitve premium.
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We are proud to announce that we have been awarded the winning position of commercial lines broker at the UK National Insurance Awards 2023.

The National Insurance Awards is widely considered to be one of the most prestigious events in the insurance industry, and this achievement is a testament to the hard work and dedication of everyone here at IC Insurance.
We are a team of experienced insurance
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