Fish & Chip Shop Insurance
How can we do that?
Advice
Speak to a real person who has the knowledge and expertise to guide you to the right protection for your business
Understand
We spend time to get to know your business, then explain and amend the clauses to ensure you comply with them before you have a claim
Explore
We talk about ALL the risks you have as a business, not just the expected ones. You and your people are your greatest asset. We can help you protect them.
Why do you need specialist fish & chip shop insurance?
With our comprehensive review of your business, we create a bespoke industry-specific insurance programme that minimises risk. Often standard fish & chip shop insurance policies have policy conditions you may not be able to comply with, such as unattended processes and deep fat fryer conditions and so it’s vital you have a broker who can explain this and work with you to find the right insurer.
We work with you to understand and comply with these wordings to ensure that cover responds as you expect it to when you need it most.
We will advise you on all the cover you might need to run a fish & chip shop including:
All stock, tools, and equipment used by the business can be covered for fire, storm damage, malicious damage and theft, or accidental damage.
Covers your business money in transit, on premises during business hours, or in a bank night safe in the business premises when closed for business or in the private dwelling.
situations that could stop you trading cause loss of profit following theft, fire and flood.
Public and Products Liability covers you for any claim made against you by a member of the public claiming they have been injured, or became ill while on your premises or due to one of your products.
Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible.
Data has a value and in particular payment details and even if you use a third party payment provider the data is still your responsibility if it is lost. Cyber liability protects your legal liability as well as the costs of reinstating your systems and compensation to third parties if needed.
Directors’ and officers’ liability insurance – also known as D&O Insurance – is designed to protect senior employees in a company against being personally financially liable for any wrongful acts, which can include:
- Breach of duty
- Breach of trust
- Defamation
- Errors and omissions
- Insolvency
- Misleading statements
- Neglect
- Wrongful trading
However, we can also provide numerous support tools including:
- Rebuild cost assessments to ensure your building is not under insured
- Advice and potential risk management funding to help with fire suppression installations
- Advice and appropriate cover to protect your business and people if someone is ill or can’t work for a period of time
- Guidance on Health and safety and tools to help you manage this risk
- Cyber risk mitigation through us pinpointing specifically what you need to do to protect yourself and your business from hackers
