Compare business insurance quotes with Savvy to find the best policy for your pizza or takeaway food store.
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Along with the sizzle of grilled pepperoni and the smell of melting cheese comes many risks that all pizza shop owners, fish and chip shop owners and takeaway food operators run. There are burning and trip hazards to consider, the risk of vandalism and theft and inherent dangers associated with door-to-door delivery. For this reason, having comprehensive business insurance is essential for anyone in the takeaway food business.
You can compare quotes for a range of business insurance types here with Savvy. Just answer a few simple questions about your takeaway business and the insurance you’re after and you’ll have multiple quotes from a range of respected insurers to consider instantly. Use our quick and easy comparison service to make sure you get the best value insurance for your pizza shop today.
Because there are so many risks involved with running a takeaway business, pizza restaurant or fish and chip shop, there are several different types of business insurance you should consider to protect yourself. These include:
Product liability insurance
Product liability insurance can cover you against third-party claims that the food you supplied caused sickness, injury or death. This type of insurance is important for anyone who sells freshly prepared food, as anything which is consumed carries the risk of bacterial contamination. Cover starts from $250,000 and can be bundled together with public liability and other types of cover into a business insurance package.
What it covers:
Public liability insurance
Public liability insurance is also essential for anyone who runs a retail business. It’ll cover you against claims a member of the public was injured whilst on your business premises, or that their property was damaged as a result of your business activity. For example, you’ll be covered if anyone should slip or fall in your shop and injure themselves, or if one of your delivery drivers on a motorbike damages a car parked outside your business premises. Public liability insurance can offer between $5 million and $20 million worth of coverage and is a compulsory form of insurance to take out many retail shop leases.
What it covers:
General business insurance
General business insurance may also be worthwhile to protect the equipment and machinery you use in your pizza or fish and chip shop, such as your ovens, deep fryers, microwaves, food warmers and fridges. As part of your general insurance package, it also may be worth considering additional add-ons which could provide maximum protection for your takeaway business, such as glass insurance and portable equipment insurance.
What it covers:
Accident and sickness insurance
Because you’re working in a high-risk environment all day, surrounded by burning ovens and hot oil, it’s worth considering what might happen to you and your family if you were unable to work for an extended period due to an accident.
Accident and sickness insurance can provide cover for you if you become unable to work, providing a weekly replacement income and helping you pay your bills if you're injured or suffer a serious accident.
What it covers:
Optional extras can include:
The most common general exclusions include:
There is no set cost for an insurance policy, as each applicant is different and faces unique risks. Many factors influence the cost of business insurance, including the following:
The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses, and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another.
Another factor which will play a part in the cost of your insurance is your location. There may be two almost identical pizza shops, one in Queensland and the other in the ACT, but the insurance for the business in Brisbane may cost more simply because of the additional environmental risks posed by that location.
You can find out how much insurance will cost for your business by comparing quotes right here with Savvy. Whether your bakery is located in a rural town or a suburban shopping centre, you’ll be able to find a policy which is perfect for your business needs here.
The reason you need business insurance if you run a pizza shop, a fish and chip shop or even a café is because you face multiple risks in your everyday job. There are not only the obvious risks (such as burning yourself on a hot oven) but also the business liability risk of a customer tripping in your shop and sustaining a serious injury. In a cafe or restaurant, there is always the risk of waiting staff accidentally dropping hot food or drink onto a customer, and if you also offer a delivery service, there’s also the risk of your delivery staff getting into traffic accidents.
Since you’ve worked so hard to set up your business, it makes sense to protect it and your reputation from anything that can go wrong. Having business insurance offers security in case unexpected circumstances happen which your policy covers. If something unfortunate does happen and you have adequate insurance to protect yourself, you’ll have a much better chance of recovering quickly and getting back on your feet.
Find the best possible insurance coverage for your business quickly and easily here with Savvy's 100% free comparison service.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
