Fast food delivery insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

For example:

• one of your employees causes extensive damage to your client’s property when reversing their van
• your employee drops heavy equipment on your client’s floor, causing extensive damage

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your fast food delivery business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury to someone you employ, including contractors and temps, that happens as a result of working for you
• a member of staff (including casual workers) falling ill due to your business

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
• a temporary employee traps their hand in a door at your premises, causing several fractures
• a member of staff trips on a ledge on their way to a meeting, injuring their hip

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

For example:

• a vintage glass cabinet is badly damaged following a break-in at your premises
• a leaking radiator damages some office furniture, which needs replacing or restoring
• the camera you use to take photographs of stock is stolen from your office

Read more about business contents insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

• theft or vandalism to your stock
• other loss or damage to your stock, for example through fires or floods
• essential stock that you need to sell in order to operate

For example :

• your equipment is faulty, causing fresh produce that you keep as stock to go off
• water from a flood destroys stock and you have to throw it away
• a thief clears out your stockroom – you have to replace stock quickly to operate

Read more about stock insurance

Business interruption insurance

In case something is stolen or damaged and you lose income.

What’s typically covered by business interruption insurance?

• you can’t trade because of stock, contents, or building damage

For example:

• your inventory is damaged and you lose income because you’re unable to sell
• your work laptop is stolen or damaged and you can’t run your business

Read more about business interruption insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

What’s typically covered by business legal insurance?

Claims against your business for:

• costs and expenses for disputes relating to debt recovery, including judgement enforcement
• disputes with debt collectors, or any party who takes legal action against you, as a result of identity theft
• costs and expenses for contractual disputes arising from an agreement

For example:

• one of your clients isn’t happy with your work and believes you haven’t met the contractual requirements
• someone gets access to your company’s bank details and uses them to buy goods and services
• your client is disputing a contract they had with you on the provision of a service

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or away from work.

What’s typically covered by personal accident insurance?

• compensation if you or an employee are injured in an accident, including weekly payments if you or they are unable to work for two weeks or more
• virtual Medical Care service with unlimited 24/7 access to medical advice, consultations, referrals and prescriptions
• 24/7 access to myStrength emotional health support app

You can buy this cover for:

• yourself
• your employees

For example:

• imagine one of your employees breaks their leg in an accident and is out of work for six weeks. Personal accident insurance would provide £300 for the broken leg diagnosis. After the employee’s second week off, you’d receive four weekly payments to assist with costs during their absence. You could use the money as you wish – whether for loss of earnings, hiring a temporary replacement, or compensating the injured employee.

What’s not covered?

• issues caused by sickness, illness, or disease
• conditions that develop over time without a direct connection to an accident
• mental illness, even if triggered by an accident
• self-inflicted injuries
• accidents that occur under the influence of drugs or misuse of medication
• deliberate exposure to danger, except when attempting to save a life
• injuries caused by taking part in a professional or semi-professional sport

Read more about personal accident insurance