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Compare fish and chip shop Insurance

Compare fish and chip shop insurance quotes to find great deals.

Fire is the main risk wherever hot oil and fryers are used, so check how each quote covers it. A policy usually also brings together the premises, equipment, stock and public liability for customers. Business interruption can help with lost income while the shop is repaired after an insured event.

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 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 affect 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 usually a combined business policy that includes commercial buildings insurance. 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.

Running a chip shop: legal duties and common claims

In England, Wales and Northern Ireland, you must register your food business with your local council at least 28 days before trading (GOV.UK). Insurers may ask for your registration and hygiene records when you get a quote.

Hot oil and fryers make fire one of the main property risks for a chip shop. In England and Wales, the person in control of business premises has to complete a fire risk assessment and keep it current (GOV.UK).

If you employ fryer cooks or counter staff, you must have employers’ liability insurance. Going without can mean a fine of £2,500 for each day you’re uninsured (GOV.UK).

Examples of claims a policy may cover:

• A customer slips on a greasy floor and claims for their injury, which is a public liability risk.
• A fryer fire damages the kitchen and the shop closes for repairs, which falls under buildings and business interruption cover.
• A chiller breaks down overnight and fish or batter stock spoils, if equipment breakdown cover has been added.

If you own the building, it can be insured on a combined policy or through commercial property insurance.

Questions about insuring a chip shop

Are deep fat fryer fires covered?

Fire is usually an insured event, but insurers may set conditions for fryers, such as thermostats, regular cleaning and suitable extinguishers. Breaking a condition could affect a claim, so read them carefully.

Can I insure a chip van as well as the shop?

A chip van needs motor insurance before it can be driven on UK roads (GOV.UK). Cover for the cooking equipment and trading from the van may be added to your business policy or arranged separately.

Reviewed by: Lee Evans
Business & Leisure Insurance Expert

Written by: Katie Gawley
Insurance Content Writer

Fact-checked by: Quotezone Editorial Team

This content follows our Editorial Guidelines

Last Updated: 9 November 2026