Takeaway shop insurance

Pizzas, burgers, Indian curries or Chinese cuisine: with so many different types of takeaway food on offer, the sky’s the limit for today’s consumers. Whether it’s fried chicken or Szechuan beef, there’s always a nearby chain store or independent takeaway shop ready to take your order.

But with so many big names already competing for a space in today’s saturated market, small businesses can often have a hard time staying ahead of the game. And that’s not the only difficulty. Keeping up with industry standards and legislation can also be a daunting task when added to the everyday pressures of running a food establishment.

Getting the right type of insurance is an important part of your business’s success, but it doesn’t have to be stressful. In fact, at Purple Arc, it’s about the opposite! It’s about getting you the correct advice, making sure that you’re prepared if the worst should happen, and giving you a helping hand whenever you should need it.

Here are some important tips that will help you to choose the right takeaway shop insurance:

• Always make sure that the sums insured on your trade contents represent a full, new cost replacement. Insurers can often have an average clause within their policy agreement, stating that if any items you are claiming for are insured for less than their value at the time of loss or damage, then the amount payable by the insurer will be reduced by the proportion you are underinsured. To avoid this from happening, read through your policy carefully and be sure to seek advice when needed.
• With fire claims on the increase, insurers are brushing up on their policy conditions. In fact, it is now standard practice for most insurers to insist that the entire length of your extraction system, flues, motors and fans be cleaned by a professional at least once a year. So be sure to think ahead!

 At Purple Arc, we aim to stay ahead of policy terms so that we can give our customers the best service at the most affordable price. That’s why we’ve joined forces with an extraction maintenance provider, so that we can offer you a service that’s reliable, price-competitive, and policy compliant. Sound good? Call us now to find out more!