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Fast food delivery insurance

Join over 900,000 UK customers with public liability cover from £3.49 per month*

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  • Compare tailored insurance for fast food delivery businesses from trusted brands

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Based on 39,782 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Why do you need fast food delivery insurance?

When you’re out and about, public liability insurance can better protect fast food drivers if someone is injured or property is damaged while working. And you can protect your stock with stock cover. You'll need to organise vehicle insurance separately.

  • peace of mind, letting you focus on your business, not the what-ifs
  • UK-based claims team, award-winning and available 24/7
  • trusted by over 900,000 small UK businesses for flexible, tailored cover

Start your quote

What does fast food delivery insurance cover?

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:

  • causing damage to someone’s property, caused by you or as a result of your work
  • causing illness or injury because of your business activities
  • accidental damage or injury caused by your employees, if you have any

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:

  • damage to your contents or business equipment
  • destruction or damage caused by theft and vandalism, as well as fire and flood

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.

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

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does fast food delivery insurance 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 £3.49 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

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*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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How do insurance claims work for fast food delivery businesses?

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 team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.8/5

    Based on 39,782 reviews

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Fast food delivery insurance 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 insurance for off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

  • 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.

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

Helpful articles for fast food delivery businesses

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11 April 2023 • 7-minute read

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