Fast food insurance

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Two cooks in a mobile catering van

Why do you need fast food restaurant insurance?

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.

  • Peace of mind that you, your employees and your customers are covered against injury and illness
  • Freedom to focus on making food and not on what could go wrong
  • Protection against expensive damage to your business premises and fixtures and fittings

What does fast food restaurant insurance cover?

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.

How much does fast food 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 £4.74 per month

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Example fast food restaurant 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

Public liability



Employers’ 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

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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

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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.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

Example claim

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

Marcello saved more than £5,800

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.

Fast food 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 fast food insurance. You can also check out our business insurance FAQs.

It can do – but you’ll need to make sure you take out public and product liability insurance as part of your policy.

Public and product liability insurance protects you against claims relating to accidental injury or illness caused by your business. The “product” part refers to the items a business sells, which for you means food and drink.

And it’s important to know that if you employ people at your fast food restaurant (including family members), you’ll only be covered for their actions if you have employers’ liability insurance too.

There are several key types of cover for most restaurants.

Because your area of work involves coming into contact with other people, you’ll likely consider public and product liability insurance to be essential. It covers your restaurant against accidental damage or injury.

And you probably have people working for you, which means you’re legally required to have employers’ liability cover – even for casual workers and temporary staff.

Are you personally responsible for insuring your restaurant’s premises? You’ll want to look into building insurance.

Beyond that, there are a few more options that could give you peace of mind:

Want to protect your restaurant’s equipment and fixtures and fittings? It’s worth thinking about contents cover.

Interested in protecting yourself and others against the financial consequences of accidents, whether at work or outside of work? That’s what personal accident insurance is for.

Worried about legal costs you might face as the owner of your restaurant business? You can take out legal protection insurance.

Still feeling uncertain about what insurance you need for your restaurant? You might find it helpful to read our guide on assessing the risks.

No, this should be covered separately under a motor insurance policy.

If you have employers’ liability cover as part of your fast food insurance policy, you would be covered if your delivery drivers get injured while they’re delivering an order but not currently on the road (for example, falling down the stairs in a customer’s block of flats).

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 instalments.

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.

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

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