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Insurance for Kebab shops is designed to cover the unique set of issues, hazards and pitfalls that come with running a fast-food restaurant or takeaway/delivery service. While running a kebab shop often brings interesting conversation, close-knit community ties and plenty of footfall, there are also lots of challenges faced when it comes to preparing or selling hot food.
For example, you may experience food safety issues and equipment failure which are all part and parcel of the everyday lives of kebab shop owners, and shop insurance is the best possible way to protect your business against the potential cost of having to pay compensation as a result of illness or injury experienced by customers. You can also cover your business for loss of or damage to your equipment.
All businesses which offer fast food such as kebabs, burgers, pizzas and chicken to consumers should consider taking out a relevant insurance policy to cover them in the event of any issues. The average kebab shop is a hotbed of activity, particularly during late nights and weekends.
Therefore, the risk of injury to customers is largely increased.
For example, when an employee mops the floor after a food spillage, and neglects to put out adequate signage to highlight the hazards of the wet floor, a customer could slip and seek compensation for their injuries. Would you be able to financially compensate that person without shop insurance? In situations like this, the right policy is imperative when it comes to protecting your livelihood.
The type of policy you take out will dictate what is covered. For example, public liability insurance would ensure that your business is protected when it comes to claims of compensation due to an injury sustained on your premises (for example, if somebody slipped and fell while ordering food). Some insurance policies may cover instances of food poisoning caused by inadequate food preparation, although you should always go over what a policy does (and crucially what it doesn’t) cover with a prospective insurer before proceeding. This way, you’ll have a full understanding of what protections your kebab shop insurance affords you.
If you employ staff, by law your kebab shop insurance should include employers' liability insurance. Employers' liability insurance is designed to protect your business against claims for compensation made by employees who have become injured or ill as a result of working at your premises. This form of insurance is mandatory for all businesses who employ people, even if staff are only working on a temporary or ad-hoc basis.
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