Diversity and cultural mix across the UK has been at the very core of the growth in the restaurant and takeaway industry, changing and blending the palate of the nation.
However, managing staff who are new to the UK can bring it’s own challenges, as bilingual staff can sometimes lead to miscommunication contributing to on-the-job accidents and injuries, which may lead to employers liability claims under your Takeaway Insurance policy.
As a restaurant owner, you and your team will no doubt be working extremely hard and often long hours. As your waiting staff are on their feet serving food and drinks all day, it can be extremely taxing on their bodies, as it puts you in awkward postures which can lead to back, shoulder and neck injuries.
Should you not provide adequate training or support and one of your workers suffer an injury during the course of their employment, you could face a compensation claim under the employers liability section of your Restaurant Insurance.
Even small café bars, sandwich outlets or takeaway businesses can be at risk of fire – in fact, the risks can sometimes be even greater than large commercial kitchens. Accidents often result from flare-ups during food preparation in conjunction with oven, hob or electrical and gas connection defects, leading to significant claims under your Café or Takeaway Insurance policy.
Fast food restaurants are under increasing pressure to manage deliveries within a specific time frame, often driven by deals with online order portals and associated “money back guarantees”.
However, with delivery drivers zipping all over town, transporting fast food to hungry customers, they face numerous risks due to the nature of their job, including accidents, injuries and theft. As the owner of a fast food takeaway employing delivery drivers, you need to be aware of the tremendous risk shouldered by your drivers as well as your duty of care owed to all of your staff.
Fast food establishments and takeaways can be particularly vulnerable to burglary, robbery and theft or even physical violence. Such incidents can be emotionally challenging for the business owner, not to mention the obvious financial implications. Whist an effective Takeaway Insurance policy can protect the business against these incidents, by taking the appropriate preventative measures you can significantly reduce your risk.
Restaurants and Takeaways are all different shapes and sizes, as such stock storage areas can often be tight on space and care needs to be taken when packing or unpacking.
Serious injuries can occur when unloading and stacking supplies in the storage area due to improper lifting techniques. But maintaining a clean and organised storage area is essential to preventing these injuries as well.
Sorry – we couldn’t resist the pun, but if you own or run a fish restaurant or takeaway, you will know that many insurers find fish and chip shop insurance difficult to “plaice” (OK – we know, you’ve heard them all before, but if it makes insurance a bit more interesting.....we’ll keep the puns going!!)
The good news is that by shopping around, managing and understanding where risk exists we can “hake” your fish and chip cover much more affordable. We’ve put together some of the key areas of cover together with some tips which could help you “net” a better deal.