Fish and Chip Shop Insurance

Fish and Chip Shop Business Insurance

Owners of fish and chip shops, like Castle Chippy in Clitheroe (see above) will 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 help you find adequate cover to ensure your fish and chip shop insurance protects your business.

Key Features and Benefits

Premiums from £1,082 per year.***
Quotes from a panel of A-rated insurers.
Single, flexible policy — tailor made to suit your requirements.
Dedicated adviser throughout your policy.
No midterm amendment fees should you need to make a change.
Access to a 24-hour legal helpline.
Flexible payment options including direct debit.

Access to documents anytime, anywhere via our secure portal.

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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.

You Could Save Over 30%*

Contact our team to receive a no obligation, instant quote today.

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What Insurance do you Need for Fish and Chip Shops?

Running a fish and chip shop can be 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.

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. Public liability cover can help with compensation and legal costs.

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 insurance

If your business is unable to operate due to an insured physical loss at your premises, 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.