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Fast food restaurants are busy places, and whilst a bit of hustle and bustle is a sign of a successful restaurant, it comes with certain risks.
Imagine if a supplier delivering ingredients tripped on a spillage that hadn’t been cleaned up, or a customer blamed you for food poisoning. There’s also the risk of fire and other disasters to consider, and employee claims for work-related injury or illness.
A comprehensive fast food restaurant insurance policy can protect you in situations like these, and give you peace of mind that your business is covered should the worst happen.
Cover from £6.78 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.78 or less across all our trades insured. Based on data from 1 January - 30 June 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)Start your quote
Each business is different, but these are some of the insurance covers that are particularly useful for fast food restaurants:
Public liability insurance can protect you against injury or damage claims made by members of the public, including customers and suppliers. This is the core business insurance cover for fast food restaurants, covering accidents that can result in hefty compensation claims. It could also cover you if someone sued you for food poisoning.
If a fire or flood hits your fast food restaurant, or if you’re the victim of vandalism or a break-in, business buildings insurance can pay to repair or rebuild the premises, while business contents insurance can pay for repair or replacement of the furniture and appliances.
Employers’ liability insurance is usually a legal requirement if your fast food restaurant employs staff. Other covers you can choose to add to your policy include business legal protection insurance and business interruption insurance.
The average insurance claim for a fast food restaurant is £4,116 – could you afford this if the worst happened? (Average claim being £4,116. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.
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