Fish & Chip Shop Insurance

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Operating a fish and chips shop is no easy task, especially when working with hot oil, kitchen equipment, sharp utensils, and serving the general public. This combined with the wider data and payment handling risks from being a retailer means you need a broker who can support and guide your through the process of establishing the right cover.

Building with the writing on

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.

Usual types of cover

When insuring a fish & chip shop there is much to consider. Specifically, you want to consider what type of cover you need and want.

For example, what type of cover do you require? What is the value of your stock? How much liability cover should you have?

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.

Chip shop worker frying chips

Meet the team

Tamzin Ferguson

Regional Growth Director

Tamzin Ferguson

Regional Growth Director