Fish And Chip Shop Insurance
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Why Compare Cheap Fish & Chip Shop Insurance With SimplyQuote
Being in the food and hospitality industry is no easy feat, especially when you’re running a fast-paced chippy. Add to that searching for better insurance cover for your fish and chip shop and you’re feeling downright overwhelmed and stressed, right?
Luckily, SimplyQuote has the perfect solution: the 100% free, online comparison tool.
Just slot in a few details on the online form, click “compare” and you’re ready to go – hook, line and sinker!
What Do You Need To Get A Quote?
Please provide the following info so we can give you a chip shop insurance quote:
- Personal details – name, surname, contact info.
- Business details – nature of business, company registration info, address.
- Employee details – number of staff.
- Insurance details – level of cover you’re interested in, claims history.
Why Do You Need Fish And Chip Shop Insurance?
Most fish and chip shop owners face a wide range of daily risks and incidents that could be extremely costly to their business. Hot surfaces, frying equipment, sharp knives and a fast-paced environment are all potential hazards waiting to happen.
This is where fish and chip shop insurance comes in handy.
Besides getting quality cover for your fish and chip shop, employers’ liability cover is also a legal requirement if you employ workers at your store.
The chances of injuries, machine faults, and workplace fire damage or flooding are substantially higher with fish and chip shops. Malicious property damage and theft are also additional risks, so having an insurance policy that comprehensively covers these aspects is key to reducing the likelihood of business interruption.
To avoid confusion, fish and chip shop insurance is also called:
- Fish and chip takeaway insurance
- Chip shop insurance
- Fish chip shop insurance
- Fast-food insurance
- Takeaway insurance
What Does Fish And Chip Shop Insurance Cover?
Insurance for fish and chip shops generally covers:
Business interruption cover
Business interruption cover protects your business from lost income during periods in which you can’t operate as normal. This can apply to unexpected events such as power cuts or flooding.
Note: This may also be called loss of income insurance.
Temporary staff
Legally and morally speaking, temporary workers require coverage the same way permanent ones do. If you already have cover for your permanent staff then it is worth checking with your insurer to see if it also covers temporary staff.
The policy may cover a limited number of employees, so the addition of temporary staff may mean a temporary increase in your insurance premium.
It is always good practice to let your insurer know when you are taking on temporary staff, to avoid legal stresses and to ease the claims process.
Legal expenses
Generally, legal expenses insurance will cover common legal disputes related to, but not limited to, unfair dismissal, discrimination and workplace injuries.
Note: May also be called business legal expense cover.
Goods in Transit
Often referred to as ‘GIT,’ goods in transit insurance covers goods being transported from one location to another. GIT insurance can cover both domestic and international trips. This can be viewed as an optional extra by some insurers but the majority offer it as a standard package feature. Do confirm these details with your insurance provider.
Stock insurance
Stock insurance or “loss of stock insurance” covers goods and materials in the event of them being damaged, lost, or stolen. It’s good practice for fish and chip shop owners to always know how much stock they have to avoid being underinsured.
Public and product liability
Fish and chip shops and their employees always run the risk of causing damage or injury to other people. This can land them in immense legal trouble so public liability protects your business’s legal liability for damage inflicted.
On the other hand, product liability insurance covers damage or injury caused by the failure of your product, such as food poisoning.
Employers liability insurance
As mentioned, employers’ liability insurance is a legal business requirement, regardless of the nature of your company. In the event of an employee being injured within the workplace, employers’ liability insurance can cover the legal and compensation costs.
Accidental damage
Accidental damage cover is a standard feature of most fish and chip shop insurance policies. Building or content damage typically occurs accidentally so having this as part of your policy can be of great help if you ever need to do a rebuild or replace items.
What’s not covered?
- Maintenance-related damage – for both building and equipment.
- Patrons’ personal belongings.
- Malicious/intentional damage by the chip shop owner (to claim insurance payout).
- Intentional or illegal activity.
- Dock, wharf and pier properties.
- Your business property’s foundation.
- Animals that aren’t classified as stock.
- Walkways and roads associated with the commercial property.
What Types Of Insurance Are Available For Fish And Chip Shops?
There are two main types of fish and chip shop insurance:
Buildings insurance
Buildings cover insurance is specifically designed to give your business financial protection in the event of accidental damage to the property. This, depending on your policy, could cover events such as:
- Natural disaster
- Fallen trees
- Fire/explosions
- Floods
- Burst pipes
- Vehicle collisions (into your property wall/fence/building)
- Burglary/theft/vandalism
It covers the cost of repair/replacement/rebuilds to the physical property (and permanent fixtures), so the chip shop owner doesn’t have to dip into their own pocket.
Contents cover
This type of chip shop insurance protects equipment stored on the company premises in the event of loss, damage, or theft. “Contents” refers to everything inside the building such as:
- Kitchen equipment (e.g. fat fryers)
- Appliances (e.g. fridges, freezers)
- Furniture (e.g. tables, chairs)
- Crockery, cutlery and utensils
- Cash registers
- Electronic equipment (e.g. stereos, card machines) – confirm this with your insurer
What Add-Ons Are Available For Fish And Chip Shop Insurance?
There are several optional extras you can add to your fish and chip insurance policy:
Tenants’ improvements
Tenants’ improvements insurance covers your business when cosmetic or structural changes you’ve made have been damaged by incidents such as a fire, flooding or vandalism. These changes covered by this type of insurance become part of the property and thus can’t be taken with you when you leave.
Mechanical breakdown cover
Mechanical or equipment breakdown insurance is a good optional extra for a chip shop as it adds another layer of protection. This will cover the unexpected costs whenever your equipment has a sudden mechanical or electrical failure.
Cyber attacks
Because we live in an age where most things are done digitally, many businesses fall victim to cyber-attacks. These attacks generally happen to large-scale businesses but can still happen to businesses of any size and industry.
It’s always a good idea to consider finding a policy with a cyber plan that can keep your business covered in the event of data loss or unauthorised access.
Specialised equipment cover
If you have specialised (i.e. non-standard) equipment and machinery, it’s best to specify this on your insurance policy. This type of cover may transcend to electronic equipment such as card machines, point-of-sale systems and GPS navigation devices (for delivery purposes).
Commercial vehicle cover
You need this policy if you operate a delivery service from your fish and chip shop. It covers you, your drivers and your business against any financial loss or legal disputes that could arise when on the road.
Money cover
As the name suggests, this compensates you if money is stolen from your premises – to a maximum limit. However, insurers are usually strict in this regard whereby cash must be stored in a locked safe at all times.
How Much Does Fish And Chip Shop Insurance Cost?
You can expect to pay around £165.50 per month for a small family-run chippy; while bigger fish and chip shops (with two or more employees) can pay about £178 per month.
As you can see, pricing is based on several criteria such as the size of your business, the number of employees you have and where your business is based.
What impacts insurance prices?
- Size – bigger fish and chip shops tend to have higher premiums.
- Employees – more staff equates to higher chances of accidents and therefore higher rates.
- Location – high-crime areas are more costly to insure.
- Claims history – excessive claims are viewed as “high risk”.
- Nature of business – high turnover typically means you have more hazardous equipment on site to keep up with high-volume sales.
How Can You Get Cheaper Fish And Chip Shop Insurance Cover?
Here are a few ways to lower your fish and chip shop insurance premiums:
- Compare quotes from multiple UK insurance providers with SimplyQuote.
- Regularly conduct property maintenance.
- Regularly service kitchen equipment and appliances.
- Keep business premises secure.
- Provide additional staff training for effective risk management (e.g. HACCP).
- Minimise risks where possible (e.g. mop up wet floors, repair broken steps)
- Adhere to food safety best practices to prevent food contamination (e.g. clean fat fryers weekly)
- Pay premiums annually, not monthly.
- Only opt for the insurance policy you need and avoid unnecessary add-ons.
How To Compare Fish And Chip Shop Insurance Quotes With SimplyQuote?
Find free fish and chip shop insurance quotes with SimplyQuote in four easy steps:
- Fill in the quick form: Provide personal and business details.
- Select policy add-ons: Choose which optional extras you want to include.
- Compare quotes: Find the best chip shop insurance quote suited to your specific needs.
- Save cash: Get the best deal and start saving today.
Frequently Asked Questions
Fish and chip shop insurance is a type of business insurance specifically designed for a fish and chip shop. It covers various risks and potential incidents associated with working in such an environment. The vast majority of fish and chip insurance policies will cover incidents related to both the kitchen and members of the public.
The short answer: it depends. The amount of retail business insurance you need depends on your business operations. If you are selling high-ticket items like luxury fashion, antiques or jewellery – you’ll need more insurance cover than a newsagent or stationery shop.
You must tailor your business insurance policy to what suits your business and budget.
This will vary from insurer to insurer. Most insurers will only cover one chip shop per policy. However, some insurers can cover other fish and chip or fast food shops under the same policy, for which you may be able to negotiate a competitive rate.
Public liability insurance covers the cost of claims made by the general public for incidents that occur in direct relation to your business operations. This type of insurance covers the legal costs and compensation for personal injuries, property loss or damage and death.
Note:
In the context of owning a fish and chip shop, food poisoning counts as a personal injury.
Public liability insurance does not cover current employees, temporary staff or people on work placements.