Food insurance

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Hannah Taylor

Swoop made the entire funding process incredibly straightforward and stress-free. From the outset, the platform was easy to navigate and clearly designed with businesses in mind. The team took the time to understand our needs and presented funding options that were genuinely relevant, rather than a one-size-fits-all approach. What really stood out was the level of support throughout the process. Communication was clear, responsive, and professional at every stage, and we felt well informed from initial enquiry through to completion. The expertise and transparency provided gave us real confidence in the decisions we were making. Overall, Swoop is an excellent solution for businesses looking to explore funding options efficiently and with expert guidance. I would highly recommend them to any business seeking a reliable, knowledgeable, and customer-focused funding partner.

Jan 23, 2026

Michael

A user friendly and intuitive platform that did not make the process onerous. Also Ikrah Ramzan, the Asset Finance Funding Manager was helpful, engaging, and supportive through the process.

Jan 20, 2026

Paul Brogan

Great service nice people pleasure to work with, highly recommend them

Jan 16, 2026

Peps Cafe

Very good customer service 👏

Dec 13, 2025

Rachel Martin

Working with the team at Swoop Finance has been genuinely brilliant, both as a partner and as an accountant, recommending them to clients. Their platform makes the funding process feel clear and accessible, and their team really take the time to understand each business before suggesting options. I’ve referred several clients through Swoop this year - from start-ups to established companies and each one has come back saying how seamless and supportive the experience was. From my side, collaborating with Swoop has been effortless. They genuinely care about helping business owners grow sustainably, and their communication and professionalism make them a standout partner in the finance space. Great for accountants looking to add value to their clients and for business owners looking to explore funding with confidence.

Dec 12, 2025

Taz Allinson

Working with Swoop has been brilliant. They’ve been a great brand to collaborate with behind the scenes, and our clients are already feeding back positive results after using Swoop to access funding for their businesses. Highly recommend!

Dec 9, 2025

Frank Coelho

Fantastic tool for business owners. It simplifies the funding landscape and brings everything into one dashboard. I was able to see my options quickly without the usual hassle. Very impressed with the service.

Dec 5, 2025

BuildBright Contractors

We recently worked with Swoop Funding to help finance our new van purchases, and the experience was outstanding from start to finish. The process was smooth, transparent, and far easier than we ever expected. A special shout-out goes to Ikrah, who was absolutely fantastic throughout. She was proactive, knowledgeable, and incredibly supportive—always quick to respond, always clear in her explanations, and genuinely committed to finding the best possible solution for us. Her professionalism and friendly approach made the entire journey not just stress-free, but genuinely enjoyable. Thanks to Swoop—and especially Ikrah—we were able to secure the right funding quickly and confidently. We couldn’t be happier with the service and highly recommend them to anyone looking for business finance done right.

Nov 18, 2025

Claudia Mirabela Costea

A bit late with my feedback but I want to recognise how supportive swoop has been with assisting me to find the best funding for my tiny business.In a world full of possibilities it is rare to find people to help you explore the right paths for your needs.I want to also recognise Daniel M. On this ocassion as he was very professional and prompt to get involved and emailed me all the resources I needed

Oct 19, 2025

Todd Holden

Swoop have been nothing short of excellent. From sign-up to installation, the whole experience has been great. I can’t recommend them highly enough. There’s no more lag when streaming, and the service has been so good that I’ve also switched my business internet to Swoop. I’m really glad to now be on FTTP- previously, I was using wireless 5G for home and FTTN for the business, and neither came close to the speed and reliability we have now

Oct 15, 2025

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Page written by Chris Godfrey. Last reviewed on August 27, 2025. Next review due April 6, 2027.

No matter what happens, people have to eat. Across the UK there are thousands of businesses making, preparing, and selling food and drinks to millions of hungry and thirsty customers. The products these businesses sell may vary considerably, but they all have one thing in common – they’re at risk if anything goes wrong with the food or services they provide. To avoid potentially catastrophic compensation claims, costly repairs, or mounting legal bills, food and drinks businesses turn to food insurance to protect them if the worst should ever happen.

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Why is professional food insurance important?

No matter if you operate a restaurant, a food truck, a takeaway delivery service, or you manufacture foods for commercial or consumer markets, you need professional food insurance.

Despite your best intentions and quality and safety due diligence, there is always the possibility that things can go wrong. A simple food poisoning claim, fire or flooding at your premises, or even a malicious social media post has the potential to leave you facing enormous compensation claims, expensive repairs, or massive legal costs that could ruin your business. Consider these examples of common but still devastating events:

Food poisoning – your food truck sells unusual and delicious wraps and salads. Unfortunately, without your knowing, a batch of shellfish carries its own dangerous, exotic extras. The bacteria causes a customer to be violently ill, ending up in hospital. They sue you for neglect, causing harm, and their medical and legal costs. Public liability insurance will take care of the financial impact and the legal worries. It may also give you support if the claim sparks an unwarranted inspection, and you cannot operate while it’s ongoing.
Fire in the kitchen – a new employee overfills a deep fat fryer and it goes up in flames, taking your kitchen with it. Your general business and contents insurance will cover the cost of repairs, while business interruption insurance will provide emergency income during your temporary closure.
Plastic in your food – your business manufactures luxury energy bars and snacks. A small piece of plastic packing accidentally ends up in the production mix and eventually, in a consumer’s mouth. Their claim for compensation can be neatly handled by your product liability insurance while back at the factory you make changes to your product processing.

These are just a few of the things that can go wrong in any food business. Fortunately, in every case food insurance has turned potential disaster into a mild event. But think again. If any of these incidents happened to your food business and you did not have insurance, could your operation survive?

What types of insurance for food businesses are there?

Food insurance is an umbrella term for a range of business insurance policies that can protect food businesses from the impact of almost any unwanted event. Essential food insurance includes:

Public liability insurance

Public liability insurance protects you if someone is injured, or their property is damaged because of the products or services that you or your business provides. This type of cover, also known as PL or Liability Insurance, is designed to protect your business against third party claims for injuries or property damage from a customer or client, passer-by, or a visitor to your business premises – whether you’re at fault or not.

Product liability insurance

Product liability insurance (PLI) – also known as ‘product insurance’ – is designed to protect companies, partnerships, sole traders and the self-employed from financial loss in the event that someone is harmed, or property is damaged due to the products that they supply.

Important tip: Product liability insurance for food businesses isn’t only for manufacturers, farmers or chefs. In the event of an accident, your food business could be held liable even if you only distributed the product and had nothing to do with its creation.

Business interruption insurance

Business interruption insurance covers you for lost income if your business is unable to operate due to an unexpected event. This would include incidents such as:

Fire and flooding at your premises
Power black outs
Major equipment failure
Supply chain issues beyond your control
And more

What does food liability insurance cover?

Food liability insurance can protect your food business from the financial impact of accidents, errors and omissions with the products and services you provide. This includes:

Personal injury to third parties caused by your food or drinks business – for example, a customer is made ill because you failed to correctly list the allergens in the food you sell
Property damage to third parties caused by your food or drinks business – for example, a forklift at your food production centre drops heavy crates of canned goods onto a visitor’s car
Accidental injury or damage caused by your employees – for example, one of your waiters spills red wine onto a customer’s expensive suit.

How much does insurance for selling food cost?

Insurance for food manufacturers or retailers can cost as little as £35 per month. However, the premium you pay will depend on a range of unique factors, such as the type of business you run, the scale of your business, where you are located, and the types of products you sell.

How Swoop can help

All business involves risk, but that doesn’t mean you have to suffer the consequences if things go wrong. Don’t let one bad ingredient or a simple accident cook your business for good. Contact Swoop today to compare top-quality food insurance from different providers and to discuss all your business insurance needs.

Written by

Chris Godfrey

Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.

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