Value Your Food Hygiene Rating?

By SME Insurance

Posted 21/08/15

Not only will a good food hygiene rating help attract new customers and assist retention of existing customers, it could also mean you are eligible for cheaper insurance premiums.

Food establishment owners may be able to benefit from reduced premiums, based on how well they meet the requirements of food hygiene law. Shops that demonstrate high levels of food hygiene are often considered to be a lower risk by insurers and in acknowledgement of this they may offer lower premiums. Typically shops that have been awarded with high ‘scores on the doors’ rating and have been trading for a number of years, can expect to see lower premiums than a new business with a low hygiene rating.

It is a legal requirement for most food businesses to provide documentary evidence that the food they produce is safe. Business owners strive to provide the highest quality products, however a poor rating can be detrimental to the reputation of a business. If the standards are not set to maintain a clean preparation area and produce food that is safe for consumption, one case of contamination could destroy all you have worked for and land you with a hefty fine to pay.

Most public liability policies cover third-party claims for bodily injury, which include claims involving illness, physical injury, disease and death. It is key to ensure you have comprehensive cover in place to protect you if a foodborne illness claim does arise. The knock on effect of something going wrong can ultimately be more harmful than the actual event if not handled correctly.

Although discounts are available to takeaways, restaurants and cafes with high ratings from the Food Standard Agency, SME Insurance are still able to offer competitive rates to shops with a lower rating. We offer specialist knowledge in the food trading industry, along with expert advice on the type and level of insurance you need. We work with a panel of UK insurers to ensure you receive a competitive quotation with the cover you need. This covers all types of food trade including insurance for restaurants and takeaway. 

Why not give us a call or email online@smeinsurance.com and make sure you mention your food hygiene rating when you speak to our sales executives.

 

Posted 21/08/15

Author: SME Insurance

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