Insurance for a food business

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Food business: a woman and a man eating tacos and drinking cocktails
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Why is professional food insurance important?

Whether it’s an allergic reaction or a slip in your kitchen, accidents happen to the most experienced food professionals. Claims for food liability can cost thousands, so a food insurance policy usually provides flexible cover for public and product liability, alongside employers’ liability, buildings, contents, and stock cover, for claims which could put the brakes on your business.

  • food business insurance, UK customer service and claims team
  • trusted by over nearly a million customers small UK businesses for flexible, tailored cover
  • food product liability insurance between £1 million and £10 million


What does food liability insurance cover?

We’ll start with food liability insurance, including public and product liability, covering you against accidents caused by your business or claims against your products – for example, if someone suffers an allergic reaction to an ingredient you’ve used. You can also include insurance for employees, stock, and contents, plus personal accident cover for you or anyone else you’ve covered.


Insurance for selling food – how much does it cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.95 per month

Get tailored quotes in 7 minutes

Example food business insurance quotes, real prices

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Main building

£200

£4000

Stock

£200

£4000

Contents

£200

£4000

Employers liability

No excess

No excess

Public liability

No excess

£750

Product liability

No excess

No excess

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.


How it works

Pick what goes into your policy

Get prices from a range of insurers

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£68 million in claims paid out in 2024

Example claim

Having food insurance through Simply Business has saved UK professionals thousands of pounds when the unexpected happened.

Lily saved more than £7,300

A leak in the flat above Lily’s (not her real name) groceries business caused significant water damage over the Christmas holiday week, particularly to her contents and stock which included three months’ worth of sellables for the new year. The contents and stock cover in her food business insurance policy covered Lily’s replacement costs.

Insurance for food business FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about food business insurance.You can also check out our business insurance FAQs.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions