White-Swan-FoodandDrink-Hero-646x280.jpg
Get a fast, no obligation quote which could save you over 20%* Get a quote

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.

Find out more

Cafe and Tea Room Insurance

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.

Find out more

Fish and Chip Shop Insurance

We specialise in fish and chip shop insurance and will ensure you have adequate cover in place to protect your business.

Find out more

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.

Find out more

Restaurant Insurance

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

Find out more

Takeaway Insurance

smei cater for the takeaway industry.

Find out more

Catering Insurance

Bespoke cover for self-employed caterers or small catering businesses including catering liability insurance and much more. Get a quote.

Find out more

Nightclub Insurance

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

Find out more

Social Club Insurance

Providing insurance over for social clubs, including working men’s clubs, political clubs, charities, as well as other member’s clubs and community organisations.

Find out more

Food Business Insurance

smei specialises in providing tailor made insurance policies for the food and drink industry.

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 like The White Swan at Fence, Lancashire (pictured above) or order takeaway 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 is Food Business Insurance 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, employers' 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.

 

The featured business is The White Swan at Fence, Lancashire. Visit their website here: www.whiteswanatfence.co.uk. Did you know that smei offers specialist pub insurance?

 

Please click here to view our pricing disclaimer.

** 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

 

Existing Customers
Click here
Latest News
Insurance for Home Food Businesses – What do You Need?

Anyone turning their culinary passion into a profit needs to ensure they have the correct cover in place to protect against the risks associated with…

Read Article
Top Tips for Making Your Website Mobile

Here are our top things to keep in mind when you want to be visible whilst your customers are mobile!

Read Article
Customer Loyalty Programmes

A guide to rewarding customer loyalty. Understanding your customers, setting up on a platform and building a successful customer loyalty programme.

Read Article
How to Start a Retail Business

Read our guide on how to start a retail business, including: finding your niche; making a business plan; marketing; budgeting and costs; and…

Read Article
Facebook Twitter LinkedIn