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Compare fish and chip shop Insurance
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Looking to buy fish and chip shop insurance for your business? Our dedicated, non biased insurance comparison platform lets you find great deals from across the UK market fast. This page contains everything you need to know about insuring your fish and chip shop and business.
What is fish and chip shop insurance?
Fish and chip shop insurance is a type of insurance that covers your property, equipment and potentially public liability also. It is essentially a tailor made form of cover that comprises of different parts of other insurance policies. These other types of insurance incorporated include public liability insurance, business interruption insurance and stock insurance. This ensures that your fish and chip shop has the necessary cover it needs against likely insurable events.
You will also require employers liability insurance by law if you are employing others in the running of your business.
Is it a legal requirement?
It is not a legal requirement to insure your fish and chip shop in the UK. However, there are multiple things that could go wrong if you don’t. Firstly you are running the risk of major financial loss should something happen to your business premises. Without insurance you will be left to cover the costs of repairs and rebuilds in the event of fire, extreme weather and vandalism out of your own pocket. By covering yourself against these costs you are not only protecting your own finances but also protecting your business.
Your employees must be legally covered by employer’s liability insurance however. This protects you if your cooks have an accident. Given the risks of working with hot ovens and fryers, insurance is vital.
What other types of insurance might I need?
We would suggest confirming if public liability insurance is included in the main policy for your fish and chip shop insurance. If it isn’t, you can either search for a policy which has this included as standard or have it placed on your policy as an extra. If a member of the public eats something that is too hot and burns themselves, you will need insurance for legal costs. You may want fish and chip small business insurance, just in case you have to close your doors for an extended period which will effect your revenue.
What are some similar insurance types?
The insurance cover is slightly different between eating establishments. If you own a Bistro, find quotes on insurance here. If you own a restaurant, we provide quotes for this too. You can also find a page on our website devoted to commercial building insurance for a pub.
In short, most of these policies will be similar to fish & chip takeaway insurance as they will offer cover for property damage and replacement, as well as stock and public liability cover.
What is covered by this type of insurance?
This is a commercial buildings insurance type. You are covered in case of damage to the inside or outside of your building. If a shop window gets broken, for example, this will cover the cost.
Is insuring a shop different from insuring a shop that sells food?
There are small details that differ in the policies, this is because food hygiene comes into play. Fish & chip takeaway insurance will cover you for product liability, so If a customer raises allegations of food poisoning or becomes ill you’ll be able to claim legal defence costs.
How much does it cost to insure my chip shop business?
The easiest way to find out how much it costs to insure your fish and chip shop is to run a quote comparison. You can do this right here on the Quotezone website. We compare quotes from our extensive UK network of providers on your behalf. You can then store the quotes and revisit them later.
Where can I find quotes to insure my fish and chip shop?
Find quotes to insure your fish and chip shop right here, with Quotezone. We offer a quote comparison service that is fast and efficient. Take advantage of our speedy service to find quotes on fish and chip shop insurance near you.