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Fish & Chip Shop Insurance
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Bionic specialises in business insurance for small businesses, like fish and chip shops
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What is...
fish and chip shop insurance?
Running a fish and chip shop is all about serving up delicious meals and keeping your customers satisfied. But what happens when things don’t go as planned?
Fish and chip shop insurance is a special type of cover designed just for your business. It’s there to protect you from all sorts of risks that come with running a chippy, like employee injury or a customer suffering an injury.
With the right insurance, you can focus on what you do best — serving up crispy fish and golden chips to your customers.
Why do fish and chip shops need insurance?
Having the right insurance in place is key for fish and chip shops as you could have to pay out hefty legal fees, compensation, or suffer financial losses if something goes wrong like:
- A customer claims they got food poisoning
- A fryer catches fire and damages your kitchen
- A customer slips on a wet floor and gets injured
- Your stock spoils due to a power outage
- An employee burns themselves on a grill
Fish and chip shop insurance helps cover your losses if a claim is made against you or if you need to make a claim.
What does fish and chip shop insurance cover?
An insurance package for fish and chip shops could include some of the covers below. Policies will vary per provider, and limits and exclusions apply. Always refer to your policy wording for details:
Public liability insurance
Protects you if a customer is injured in your shop. For example, if they slip on a wet floor and break their leg.
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Business interruption insurance
To provide compensation if a listed event stops your business from running normally.
Business equipment insurance
Protects your equipment like fryers, grills, and other essential gear in case they need to be replaced or repaired.
How much does fish and chip shop cover cost?
Because all fish and chip shops are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and price depends on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on the insurer you go with, the price for their policies will vary.
- Your policies — If you take out more policies, your costs might be higher.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.
Costs are tailored to your circumstances, so it’s important to compare options and choose the right level of cover for your business.
Do you need a separate cover for deep-fat fryers?
Most policies cover deep-fat fryers under equipment insurance, but you should tell your broker if you use deep fat fryers to make sure you’re sufficiently covered.
Can you get cover for multiple premises?
Yes, if you have multiple fish and chip shops, speak to a broker to arrange the right policies for each of your shops.
Are you covered for takeaway delivery drivers?
We can cover the food being delivered by the takeaway driver, but the driver must hold their own public liability and business vehicle insurance.
Get fish and chip shop insurance with Bionic
At Bionic, we celebrate and champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to help you find the right cover.
Our UK-based team helps business owners daily, using smart technology to compare quotes and find the one that fits just right. Get in touch today by starting a quote with us online, whether you run a fish and chip shop, kebab stall, pizza parlour or anything in between.
“Sufficient business insurance protects your most valuable business assets and safeguards your business against risks.”
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Fish & Chip Shop Insurance FAQs
To help you understand more about business insurance, here are the answers to some of our most frequently asked questions.
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