Looking for the best deal for your Chinese takeaway insurance from a broker that provides instant access to quotes from leading insurers so that you compare prices and cover. We know that obtaining the right cover at the right price is an essential part of you managing your business risks and we have been involved in the arrangement of Chinese takeaway insurance in the United Kingdom for more than years.
What is Chinese takeaway insurance?
The cover for Chinese takeaways is much the same as any other retail insurance contract but with a few extras and conditions that are peculiar to the takeaway food industry.
Most insurance companies that have any serious involvement in the retail sector have developed a package insurance product for shops and takeaways that brings together the main covers that are required to meet the needs of most businesses. This includes;
- Property Damage : cover for your material assets from a wide range of risks including fire, malicious damage and theft
- Business Interruption: Income protection for the business following a property damage claim
- Combined liabilities: protecting the business against claims of legal liability for property damage and personal injury from members of the public and your employees.
- Business Money: protecting the cash and takings in the business
- Goods In Transit : cover for stock whilst is the course of transit
- Frozen Foods: cover for deterioration of stock.
The standard policy cover is generally acceptable to most businesses but a specialist broker will be able to further tailor the cover to meet your requirements if you so wish.
How much does Chinese takeaway insurance cost?
As with all insurance the premium you pay is dependent upon the risks perceived by the insurance company. The major factors in the cost of your takeaway insurance are; where your business is located, the sums insured you have in respect of your contents, whether your require cover in respect of the buildings, information regarding any previous claims and very importantly the cooking arrangements you have in the business.e.g. a free standing range presents more of a risk of fire than a table top basket fryer.
How to buy Chinese takeaway insurance.
You can apply on-line for quotes or you can call us direct to discuss your requirements with an experienced broker who will be happy to work with you, discuss your requirements and provide you with quotations with full supporting information to enable you to make an informed choice in your business insurance requirements.
Am I insured for the Chinese takeaway delivery service?
As standard collection and delivery is covered under most retail insurance products. This is to say that you are covered for both public liability and and employers liability exposure you may have as a result of undertaking a delivery service. If you employ people to drive their own vehicles on deliveries then you should make them aware that they need to speak to their motor insurance company to ensure that they are aware of this activity as incorrect business use under their private car insurance could lead to a significant financial loss if they are involved in an accident as damage to their won vehicle may not be covered and they could also face the prospect of an insurance company seeking to recover their costs in respect of any third party injury claims that may occur.
If you would like more information, or just a quote, please call us directly or apply on-line today.