With the country stuck at home and unable to meet friends and having to adhere to everchanging government restrictions, having to decide which takeaway to order from is fast becoming the highlight of the week!

So, while may businesses are unfortunately are going through a slow down and even enforce closure, takeaways are maintaining sales and in many cases are see a surge in demand and have to push up the gears and raise standards to stand out from the competition.

Part of this is making sure the basics are completed and that essential items are done.

An example of this is making sure you have the right type of insurance in place.  We want to give a helping hand and highlight some of the types of protection for your business you might want to think about.

Public liability insurance

Make sure you are insure against accidents on your property.  Any business, regardless of size, can take out Public Liability insurance.

What it covers:

• Covers legal costs and/or compensation claims from a customer
• Provides compensation to customers

Employer’s liability insurance

Designed to protect the employer against compensation claims from employees.  This will save you money and resources in the long run.  It also provides peace of mind.

What it covers:

• Injuries, illnesses, or loss of property due to your employee’s work.

Buildings and contents insurance

Covers permanent fixtures and fittings, as well as things like furniture and personal belongings.

What it covers:

• Accidental damage
• Damage caused by fires, floods, subsidence, or water leaks
• Valuables/ possessions
• Building works

Delivery driver’s insurance (Hire & Reward Insurance)

Ensures that you are cover if anything happens to the cargo and vehicle while you are transporting.  It should be note that normal domestic car insurance does not cover for the transportation of goods, nor is your vehicle insure unless you specifically have insurance to cover this.

What it covers:

• Theft
• Loss
• Damage or delays during transit
• Vehicles (in case of accidents)
• Compensation claims

Make sure you stay on top of your game by ensuring that all your administration and legal requirements are where they need to be. Don’t get caught out whilst you’re rush off your feet.

Simple Insurance Solutions offer flexible Takeaway Insurance packages which will ensure you are protected.

For expert advice on the type of cover that your business needs, please contact a member of our team today on 0161 241 5122 or 0333 358 8666, or send us an email at info@simple-ins.co.uk.