Fish and Chip Shop Insurance

We Specialise in Fish and Chip Shop Insurance

As the owner of a fish and chip shop, like Castle Chippy in Clitheroe (see above) you’ll appreciate the importance of having the right insurance policy in place, not least because of the risks involved when working with hot oil, general kitchen equipment, sharp utensils, and serving the general public.

At smei, we specialise in providing insurance for fish and chip shops. While we can’t prevent accidents from occurring, we can ensure you have adequate cover in place to protect your business.

You Could Save Over 30%*

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Premiums from as little as

£1082

In the past 12 months our customers have paid as little as £1082 per annum for fish and chip shop insurance. That’s just £21 per week!

50% of our fish and chip customers paid less than £1,947 per annum.***

Accidental damage.
Book debts/account receivable.
Business interruption.
Contents insurance.
Employers' liability.
Glass.
Money in safe.
Money on premises.
Public and products liability.

Buildings cover.
Embedded breakdown.
Goods in transit.
Legal expenses.
Loss of rent receivable.
Subsidence.
Tenants improvements.
Terrorism.

Our Convenient and Competitive Fish and Chip Shop Insurance Solution

Running a fish and chip shop is a hectic business, so the last thing you want to do at the end of a shift is waste your valuable free time phoning around to obtain a number of different policies to cover the various aspects of your business.

By opting for fish and chip shop insurance with smei, you can rest assured that your business is in safe hands. We’ve sought the advice of experienced professionals so our knowledgeable team has the skills and expertise to put together a policy that covers all your requirements in a single solution. And because each policy is tailored to fit your specific needs, you won’t waste money on cover you don’t need.

To discuss your requirements and obtain a quote, simply call our friendly, experienced team and we will create a solution especially for you.

A Comprehensive Business Insurance Solution

Our business insurance for fish and chip shops includes:

Public liability insurance In case a member of the public is injured or their property is damaged while on your premises.
Employers liability insurance If you employ staff for your fish and chip business, you’re legally responsible to have employers insurance in case they make a claim for injury or illness as a result of working for you.
Contents insurance This protects the contents of your fish and chip shop, including all equipment and tools necessary for your work. It can also include protection for stock, and refrigerated, frozen, or hot food cover.
Business interruption
If your business is unable to operate due to repairs or a supplier going out of business, this will help to reimburse you for loss of income and cover your overheads.
Buildings cover If you own the building, you need buildings cover in case of damage due to fire, theft, flood, or accidental damage.
Financial cover Protects money on your premises, including in a safe.

There are also a number of optional extras you can include if necessary, including subsidence, legal expenses, goods in transit, tenants improvements, and terrorism.

To find out more about our specialised fish and chip shop insurance and other fast food and takeaway outlets or to obtain a quote, contact smei today to discuss your requirements with a member of our expert team.

* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
*** Data compared from 182 policies sold in 2023. 37 customers paid £1082 or less, which represents 20%. £21 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.

Frequently Asked Questions

Some types of insurance may be a legal requirement. Others may not be compulsory, however not having the right insurance for your business could be a false economy. For example, if you don't have the necessary protection in place and an incident occurs, you could be liable to pay costs or compensation. Therefore, it makes sense to match your insurance protection to your requirements.

The cost of your insurance policy depends on your needs. Our flexible policies can be tailored to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers – each with different features and prices. We'll find you several possibilities to ensure you have all the information you need before deciding on the best option for you.

Takeaway insurance can cover a range of risks and liabilities specific to your business, including public liability insurance, employers liability, business interruption, and buildings and contents insurance in case of burglary, fire, or other incidents. There are also a number of optional extras you can include if necessary, including subsidence, legal expenses, goods in transit, tenants improvements, and terrorism.