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Whether your business specialises in pulling pints, frying fish or baking bread, a business insurance policy from Simply Business can give you the cover you need. You can get public liability insurance for protection against compensation claims made by members of the public, and add covers like buildings insurance, stock insurance and business interruption insurance to help you get back on your feet if disaster strikes. It’s quick, quality cover, tailored to the food and drink industry.Compare quotes
Public liability insurance is really important for most food and drink businesses, as your work is likely to bring you into contact with members of the public. If a customer, a supplier or a passerby makes a compensation claim against you for injury or damage, this insurance can pay legal fees and compensation costs. For example, if you faced a claim from a cafe customer because a barista spilt a coffee over their expensive laptop, or from a supplier who tripped over a wet floor in your restaurant while delivering ingredients. Compensation amounts can take into account medical fees, lost income and repair and replacement costs, so we offer up to £10 million of cover.
If your business employs any staff, employers’ liability insurance is usually a legal requirement. It covers compensation claims made by your staff for injury, illness or damage caused by their work. You may also want to consider buildings insurance if you’re responsible for insuring your business premises, stock cover in case something happens to your stock, or business interruption insurance should you hit a rocky patch.