Food and Drink Insurance

SME Insurance Services specialise in providing tailor made insurance policies for the food and drink industry.

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knife & fork

Restaurant Insurance

By speaking to an experienced insurance professional, you can have peace of mind knowing that your livelihood is protected.

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beer and wine

Pub Insurance

We have a team of insurance experts who can offer help and specialist knowledge on the insurance cover pubs and wine bars typically need.

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takeaway box

Takeaway Insurance

We cater for the takeaway industry through our trading style Takeout Insurance Services.

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danish

Cafes and Tea Rooms

We have access to a panel of UK insurers and are able to build a policy that is tailor made to suit the requirements of your cafe, coffee shop or tea room.

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salt and pepper

Fish and Chip Shop

We specialise in fish and chip shop insurance though our Takeout Insurance Services.

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wine

Bar and Wine Bar Insurance

Whether you run a local or a trendy city bar, we can arrange a bespoke insurance policy to suit you.

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About the Food and Drink Industry

No matter who you are and where you live, everyone needs to eat and for many of us one of the best treats is to let someone else cook for us. This is perhaps why the food and drink industry is expected to grow by £10bn by 2019. **

This rise in popularity *** has meant that there are now a real variety of different places that you can eat when the mood takes you covering a vast range of cuisines, tastes and of course costs too. Restaurants, pubs, wine bars, takeaways, café’s & tea rooms, fish and chip shops can vary greatly in the dining experience they offer and battle to provide not only great service but tasty treats too!

People who eat in restaurants or order take-away essentially trust the food the company provides is of a certain standard or quality and therefore each one has a responsibility to those customers who choose to eat there. This is why it is not only important to have cover in case something does go wrong, but to also have in place the right checks, equipment and processes to be able to deliver delicious food, whilst also ensuring that the food is safe for consumption too.

So, if you are thinking about opening your own food or drink outlet, make sure that insurance cover is on the list of things to think about, otherwise you could find yourself with a costly mistake.

Why Insurance is Important for the Food and Drink Industry

When you are dealing with food, insurance becomes incredibly important. Especially as there is a potential risk to the health and safety of those people eating in your restaurant, takeaway or bar.

Covers available if your business is within the food and drink industry can include, products liability for the possibility of a customer suffering injury or illness as a result of consuming your product.

As well as product liability, there are also a variety of other insurance covers available to businesses, such as public liability, employer’s liability, buildings and contents and business interruption cover.

All of these policies can ensure not only the protection of your business but also the protection of your staff and the customers that you provide a service to. All of which are important considerations for any business.

Whether you are a local café serving delicious home cooked foods or perhaps a large restaurant that provides catering for corporate functions, you need to understand the importance of protecting the assets that you have worked so hard to build up.

If you do not have cover, then you may find that one mistake may result in a costly compensation claim or perhaps even worse, result in the closure of your business.

* We randomly surveyed 48 policyholders (5%) who obtained cover through us between April 2016 and July 2016. 81% made a financial saving by moving to SMEi, with an average saving of 15.2%. This data excludes commercial and residential insurance for landlords.

** https://www.gov.uk/government/world-location-news/great-taste-of-britain-campaign-kicks-off-today

*** http://www.bighospitality.co.uk/Trends-Reports/Dining-trends-indicate-UK-eating-out-sector-set-to-grow-by-10bn-by-2019

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