Café And Takeaway Insurance Quotes 

Are you looking for insurance for your Cafe or takeaway?  
Its easy to let your cafe insurance renew year on year but not reviewing your policy annually could be costing you money and could end up costing you more if you suffer a claim. We provide insurance from a wide range of industry specialists for cafes, restaurants & takeaways and tailor them to your specific requirements.  
We can help you find a policy with the covers you require.  
We can obtain cafe insurance quotations from the whole market and tailor these to your specific needs, we will also negotiate with insurers on your behalf and ensure the rates offered are as good as they can be, something that's not usually possible with online quoting systems available directly.  
Our staff are dedicated, trained and industry qualified and we really take the time to get to know you and your business to try and find the best cover from the most reputable insurers. We are also able to offer site visits and risk management advice where required. 
We will assist fully should you need to make a claim and are always on hand to deal with mid term adjustments, renewal and of course all initial fact finding. 
Town & Country are a national brokerage remaining local in our working practices.  
Our aim is to understand our clients insurance requirements, the needs of the sector, take time to listen and deliver the right cover at the right price. We are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
For a free no obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 
Get Your Business Insurance Quote 
Simply fill out the form below and one of our team will be in touch as soon as possible. 

Cafes & Takeaways Insurance Information 

It is important to evaluate your business when looking at buying cafe, restaurant and takeaway insurance. Especially in terms of cover and sums insured. Too often businesses are very under insured and this isn't discovered until they suffer a loss and need to make a claim. In addition its particularly important for cafes insurance and takeaway insurance to check your endorsement wordings, many contain specific wordings relating to the maintenance of your cooking equipment and the requirements vary from insurer to insurer so you must never assume that because you are complying with an endorsement wording on one contract that you will be covered correctly if you switch to another provider. 
Your Cafe or Takeaway insurance policy will be written on a package basis and will include cover sections to suit your business requirements, this is how we are able to provide you with better rates as we do not automatically assume that all or nothing applies to your business. We make sure we take the details on all of you associated risk so our Business Insurance for Cafes & Takeaways cover will have the best policy wording and the cheapest market rates. 
The Buildings and Contents of the Premises 
All stock, tools, and equipment used by the business can be covered for fire, storm damage, malicious damage and theft, or accidental damage. In some situations, like after a fire, replacing the entire contents of a business can be prohibitively high, Business Contents Insurance makes sure that this barrier is removed to allow better recovery from unfortunate situations. 
In addition cover is automatically extended to include: 
Damage to Underground Services 
Trace and Access costs 
Removal of Debris costs 
Architect and Surveyors Fees 
Automatic Reinstatement of Sums Insured 
Money and Personal Accident (Assault) 
Covers your business money In transit, on premises during business hours, or in a bank night safe in the business premises when closed for business or in the private dwelling. 
Personal Accident (Assault) 
Death, Loss of Limb(s), Loss of Eye(s), Permanent Total Disablement £10,000 
Total uninterrupted Disablement (up to 104 weeks) £100 per week 
Business Interruption 
Loss of Gross Profit following loss or damage by an insured peril. 
Cover is extended to provide cover in respect of: 
Prevention of Access 
Specified Diseases, Murder, Suicide, Poisoning, Vermin or Pests, 
Defective Sanitation 
Damage at Suppliers premises 
Failure of Public Supply of Electricity Gas or Water 
Failure of Telecommunications 
Public Liability and Product Liability 
The general public today are becoming increasingly legally aware. We have all seen the adverts for lawyers encouraging the public to make a claim if they were injured and it was not their fault. It can be difficult for a business to get back onto its feet after such a claim, unless you have the right cover. Public and Products Liability covers you for any claim made against you by a member of the public claiming they have been injured, or became ill while on your premises or due to one of your products. 
Employers Liability 
It is your legal responsibility to have Employers Liability cover in place if you have any employees, this includes unpaid staff and volunteers. We can fully discuss your business requirements to determine if you need this cover in place or not. 
Goods In Transit (OPTIONAL) 
This section of cover is available if you carry out any work away from the business collecting and delivering goods. It covers the actual goods whilst being transported. It is important to note that you will also need to disclose any local sandwich delivery service or similar to insurers to ensure you policy is extended to cover this work away as a standard off the shelf product will usually exclude work away from the premises so its vital to check so you don't get caught out without the right cover. 
Glass Breakage 
Damage to fixed glass and fixed items of sanitary ware. 
Equipment Breakdown 
The policy covers damage and any subsequent loss of income caused by Breakdown to equipment or machinery (including computers and refrigeration equipment) up to the limits shown in the policy. Includes damage to perishable goods caused by failure of the insured equipment. 
Commercial Legal Protection 
Employment Disputes & Employment Compensation Awards 
Legal Defence 
Contract Disputes 
Property Protection 
Bodily Injury 
Debt Recovery 
Tax Protection 
cafe and take away insurance quote

Frequently Asked Questions 

Read some our our most frequently asked questions about our insurance policies. 
Our policies are designed to cover the risks you face whilst trading, protecting assets such as buildings and content on an 'all risks' basis, we can extend to cover non-standard risks as well as traditional or standard properties, the policy extends to include protecting your trading income following such losses as well as your liabilities to members of the public or of course those you are liable for as an employer. 
Options exist to prepay the year, at inception of cover or to spread the costs over a number of monthly instalments, subject to a small surchage madevia the renowned insurance financer Clos Bros Premium Finance who assist our clients fund the monthly direct debit facilities. 
When considering claiming our first suggestion is always to speak with us, discuss the circumstance of the loss and we can then assist you in preseting the loss fully to the underwriters, so it can be administered and settled as quickly as possible, if the loss is substantial we will negoiate the attendance of a loss adjuster to work through the claim with you and get you speedily reinstated, if the loss is a liability one (public or employers) we would urge you to speak with us as quickly as possible post incident or on notification as early collection of data is key to any defence or explanation 
Why Town & Country? Well we like to think thats a pretty simple answer, we believe we are the best, the best in extracting the right information and working with you at the outset so the policies are correctly and competitively underwritten, then the same staff member handles your case building a rapprt and relationship with you dealing with any amendments you might need and handling any claims and before taking updated iinformation to secure appropriate renewal terms. Ours is a crade to grave all encompassing solution to your businesses insurance requirements, we act like one of your own staff or team members and pride ourselves on a service that has kept us doing just what we are doing for over 80 years 
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