How fish and chip shop insurance works
A range of covers specially designed for chip shops
Fish and chip shops are the pride of Britain. You’ll often be busy, with kitchen staff working tirelessly and customers coming and going frequently. As the owner or manager of a fish and chip shop, it’s important you have the right insurance policy in place as the work you do carries a number of risks and perils. Working on a premise which not only deals with the public, but also deals with hot oil, sharp kitchen utensils and general kitchen heat means you need to ensure that you, your employees and the public are protected should an accident happen. The food you prepare and serve leaves you open to claims of food contamination or poisoning – which is why our fish and chip shop insurance include product liability insurance to protect you from such claims.
At The Insurance Octopus, our comprehensive cheap business insurance policies are designed to be flexible, allowing you to tailor your fish and chips shop insurance to the way you want it, ensuring you’ve got all of the essential cover you need in one simple business insurance policy.
What your fish and chip shop insurance policy includes
Chip Shop Public Liability insurance
Public Liability insurance with various levels of cover available from £1m, £2m and £5m. Public Liability insurance for chip shops is important to have in case a member of the public gets hurt or injured whilst on your premises.
Employers Liability insurance
Employers Liability insurance is a legal obligation if you employ permanent or temporary members of staff. As an employer, it is a legal responsibility to ensure that you have provided safe and secure surroundings for your employees. Cover is available at a standard level of £10m.
Contents and Stock cover for chip shops
Contents and Stock cover can protect your stock, fryers, refrigerators, freezers and other important items necessary to run your business.
Legal Expenses cover
Legal Expenses will cover you if you have a legal dispute. Legal expenses can be costly and stressful but having legal expenses cover will help to give you financial protection for you and your business.
Goods in transit cover
Deterioration of frozen foods
Why you need fish and chip shop insurance
Claims due to fire tend to be one of the more common claim types made by fish and chip shops. You’ll be required to carry out good housekeeping of all fryers in place and look after general kitchen equipment. In return insurers will be able to provide better insurance prices. Food poisoning can also be another popular cause for claims, with the public suffering from improperly stored or prepared food. As the owner of a chip chop, you are at risk from a multitude of risks and perils, from malicious damage to theft of stock by burglary or theft of monies by an employee. All of these risks factors need to be considered when looking for a comprehensive retail shop insurance policy that covers your fish and chip business. To help ensure that your business is highly profitable you need to protect it and yourself from financial loss.
Insurance in the form of Fish and Chip Shop Insurance can also protect you against compensation claims and legal expenses. Even if you win a case, legal fees can be considerable so it is important for your financial success that you are covered by public & employers liability insurance.
No stone left unturned
Choosing the right insurance package that suits your business and any additional items you may require – for example public and employers liability insurance or stock and contents insurance – should be simple and easy, that’s why The Insurance Octopus will endeavour to put a policy together for you quickly and simply to get you covered as soon as possible.
Flexible payment options to help you
In most cases we can arrange cover same day (subject to time of day restrictions), we also offer a range of flexible payment options to help pay for your cover, including Direct Debit. Speak to one of our chip shop experts to discuss your business requirements and compare quotes from major UK insurance providers ensuring that you get a bespoke policy with the cover you need at the right price.
Why choose The Insurance Octopus to insure your fish & chip shop?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more avialble upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We'll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Fish & Chip Shop Insurance FAQ's
Get the answers you're looking for
Can I insure equipment, fittings and fixtures in my chip shop?
Yes. One of our Insurance Octopus team will discuss exactly what you want to be covered in your policy. They will then compare quotes from leading UK insurance providers to ensure you get a bespoke policy tailored to cover exactly what you need. This tailored cover can include cover for any contents, fixtures and fittings including equipment and menu boards, stock items and much more. It’s your policy and we tailor it for you.
What level of indemnity cover do I need?
Not all food retailers are the same and neither is their insurance cover. There is a lot to take into consideration when deciding what level of indemnity to take, like the equipment you use and cost of replacement, the maximum number of people working in your restaurant at any one time, your estimated business income, your restaurant location, the hours your business operates and much more.
Call our team today and we can guide you through the key things you need to think about.
How can I calculate the rebuild cost of my fish and chip shop?
The rebuild cost of your fish and chip shop is the amount of money it would cost you to completely rebuild if it was damaged beyond repair for example burnt to the ground in a fire. It includes the cost of labour, materials, removal of debris and architect fees the cost is often lower than the market value but not always! The only safe way to obtain an accurate rebuild cost is to engage a Surveyor, which will mean you are not underinsured in the event of a claim.
How it works
Examples of Fish & chip shop insurance in action
Soggy fish and chips
After intense flooding caused by sudden, heavy rainfall, the owner of a fish and chips shop finds that their shop has become waterlogged, damaging the chairs, tables, counter and other furniture of the property – including all his staff’s lockers which are at the rear of the property. The computer and tills are also non-functional. However, the owner had taken out public liability insurance, contents and stock cover the previous year, covering him for his staff’s personal effects as well as fixtures, fittings and electronic items.