Join over 1,900 fast food restaurants like yours. Compare tailored insurance from trusted brands.
Get tailored quotes in 7 minutes
From pizza to curry to kebabs, from storage to preparation to delivery. Running a fast food restaurant involves a lot of moving parts. Mistakes and accidents happen – and even a top hygiene rating can’t totally remove the risk of allergies and food poisoning. The good news? Insurance helps you prepare for the worst case scenario.
You know your fast food restaurant better than anyone else – and we understand that every restaurant owner has different concerns. If you employ people at your restaurant, you must have employee liability cover. And as with most brick-and-mortar businesses, you may also need public liability insurance. Beyond that, you can tailor your insurance to suit your business.
Public liability insurance
In case your fast food business causes injury or property damage.
Employers’ liability insurance
In case an employee gets sick or injured while working for you.
Stock insurance
In case something happens to the products or materials you keep in stock at your fast food restaurant.
Business and office equipment insurance
In case something happens to your fast food restaurant’s business and office equipment.
Legal expenses insurance
In case you’re faced with legal costs from running your business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
In case your fast food business causes injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
For example:
Read more about public liability insurance
In case an employee gets sick or injured while working for you.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
**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:
In case something happens to the products or materials you keep in stock at your fast food restaurant.
What’s typically covered by stock insurance?
For example:
Read more about stock insurance
In case something happens to your fast food restaurant’s business and office equipment.
What’s typically covered by business and office equipment insurance?
For example:
Read more about business and office equipment insurance
In case you’re faced with legal costs from running your business.
What’s typically covered by legal expenses insurance?
For example:
Read more about legal expenses insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
What’s typically covered by personal accident insurance?
For example:
Read more about personal accident insurance
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.
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 October 2019 - 30 September 2020). Most customers pay more than this but some pay less.
£96.68 /month
£859.35 /year
A small fast food restaurant with a small fryer that's serviced annually and doesn't offer catering
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contents/business equipment
£10,000
Stock
Not included
£108.43 /month
£963.81 /year
A medium sized fast food restaurant with a fryer that's serviced annually and who offer catering
Public liability
£5,000,000
Employers’ liability
£10,000,000
Contents/business equipment
£25,000
Stock
£10,000
How we work out example quotes These examples are real quotes from our online system (created 13 May 2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
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 |
---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Stock | £100 | £500 |
Contents | £50 | £750 |
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.
Only pay for what you need
Choose the best fit for you
Get your documents the same day
Direct to
insurer
Highstreet
broker
Compare policies from a range of trusted insurers
Buy online or over the phone in minutes
Access support by phone or online
We handle claims, so you can get on with business
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.
Is public liability enough for third party property damage?
Which type of workers do I need insurance for?
Does fast food insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
You may need more than public liability to cover certain types of damage.
In some situations you may need more than public liability to cover certain kinds of property damage. Learn about stock cover
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider caterer - excluding mobile vans) or cleaning insurance?
If you provide these services alongside building work, make sure you’re covered:
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.30am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, Sat 09.00am - 02.00pm
Call our team
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. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Paying 80% of settled claims within 24 hours in 2019
Having fast food insurance through Simply Business has saved fast food restaurants thousands of pounds when the unexpected happened.
A delivery driver had dropped off a takeaway order from Marcello’s fast food restaurant (name changed for privacy). The food had leaked out of the delivery bag, and Marcello's customer slipped and fell in the spilled food. The customer then sued the restaurant for damages. Fortunately Marcello had taken out insurance in case something like this ever happened to him.
£5,840.00
Covering the cost of the accident
£100
The excess amount stated in Marcello's policy terms
We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.
Compare and buy in minutes
Documents arrive today
Rated 4.7/5
Based on 38,917 reviews
Here to help
Help from UK-based experts
24/7 claims
Make a claim any time
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 Fast food insurance.
We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer
Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.
Subscribe to our newsletter6th Floor99 Gresham StreetLondonEC2V 7NG
Sol House29 St Katherine's StreetNorthamptonNN1 2QZ
© Copyright 2021 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.