Fish & Chip Shop Insurance

Chip shop cover from Prosura

Managing supplier orders, making sure the staff rota is up to date, as well as spending long shifts grafting at the fryer. You might offer delivery through Apps, or have a dine in offering. Therefore, making sure you meet your customers’ expectations when it comes to serving up the nations favourite fast food makes for a busy life. Now we get why the last thing you want to do when it comes to admin, is trawl through insurance small print.

So, that’s where we come in. As experienced insurance brokers, we’re here to offer the same friction free experience that your customers expect. We know your industry, and we want to get to know your business. Therefore, we’ll sort the insurance, so you can get back to the real work.

What should be included on a fish and chip shop insurance policy?

No two chippy’s are exactly the same. We look to understand your business and design a package policy that means you’ve got the adequate protection you need, without paying for cover you don’t. That being said, there are a number of core covers you’re almost certain to need to keep you chip shop business covered.

  • Public Liability Insurance

A queue of customers queuing up to place their order is a good thing. Business is good. But, should one slip on a greasy floor, in what is an increasingly litigious world, you could face a claim, even if it really isn’t justified. As such, Public Liability Insurance is about as important as keeping the ketchup well stocked when it comes to chip shop cover. Moreover, it protects you from costs where a member of the public claims to have been injured, or suffered a loss or property damage as a consequence of your business activity.

  • Employers Liability Insurance

Even if your team is made up of part time workers on a casual basis, EL cover is required by law in the UK. It works in the same way as public liability insurance does, but that it protects you in the event of a claim made by a member of staff.

  • Food product liability insurance

For instance, someone gets ill the day after eating your fish and chips. They claim it’s food poisoning and make a claim against you. Even if you subsequently prove it wasn’t you, legal defence costs can soon add up – and it can be incredibly stressful. Food product liability insurance means the cost of legal defence – as well as any compensation rewarded – can be covered by your policy.

  • Business premises and contents

If you own the building outright, it’s a valuable asset that needs protecting. If it’s mortgaged or leased, it’s likely you have a contractual obligation to have premises cover in place. Either way, business premises cover protects you when your chip shop is damaged or destroyed in an insurable event, such as a fire or flood.

What else should you think about when it comes to chip shop insurance?

There is a whole range of other covers that may be relevant to consider:

  • Glass, signage and facia cover

Open late and cater for the ‘post pub’ crowd? Might be worth thinking about cover for damage caused by a drunken outburst!

  • Money cover

People still pay in cash when it comes to fast food. Its not unlikely that you’re takings are significant at the end of a busy Saturday. So, protect your cash on premises.

  • Delivery Insurance

If you’ve got drivers working for you, delivering food either in your or their own vehicles, they need to have appropriate commercial vehicle insurance in place.

  • Business equipment insurance

You’ve probably invested significantly in your fryer, extractors and chipping machinery. Get cover in the event of a breakdown or damage that will cover the costs for repair or replacement.

Why choose Prosura to arrange your Chip Shop Insurance?

Thus, we’re here to let you get on with running your business by providing friction free access to expert advice and high quality insurers. We’re on hand with professional advice as your business evolves and expands.

Additionally, we give all our Chip Shop Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.

For your chip shop cover requirements, contact the specialist brokers at Prosura today.

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