Food Delivery Insurance
Since the Covid epidemic many food outlets, including both top restaurants and fast food providers, have been moving to provide home deliveries. This was prompted by lockdown regulations that gave food providers a choice of making deliveries or closing completely. A lot of restaurants have had to close: many fast food shops already provided home deliveries although many of their delivery drivers lacked proper food courier delivery insurance from a food delivery insurance company like Prudent Plus.
This caused many of them to get penalty points on their driving licences which caused additional insurance costs; insurance for drivers with convictions is not cheap! Some drivers were forced to buy suitable short term or single day car insurance for their home deliveries and this lowered their earnings considerably.
Many UK restaurants are struggling to stay afloat financially; the food delivery revolution may force many out of business. Smaller Indian and Chinese restaurants, pizza providers, burger bars and other fast food outlets may well see business increase; whether or not that business is profitable, bearing in mind the extra costs of making home deliveries, is a different matter.
Hotels, like every business, have to have at least Employers Liability insurance to provide adequate compensation to any employees who are hurt or injured on company business. However hotels also run many other risks because they deal directly with the public and if any guest, or indeed any other non-employee, had a accident in the hotel or grounds it could lead to a massive claim. The answer is public liability insurance, which is available from any major insurance company.
Hotels also provide food, and insurance against claims by customers are frequent in the restaurant trade. A number of insurers provide specialist policies that are particularly designed for restaurants, and hotels that serve food.