A fish and chip shop insurance policy cover your business against a variety of risks, including fire, theft, storm damage, and liability claims. It can also provide cover for the loss of earnings if your business has to close due to an insured event.
You can tailor your policy to suit your specific needs, but some of the most common features of fish and chip shop insurance include:
- Fire and smoke damage cover
- Theft cover
- Storm and flood damage cover
- Business interruption cover
- Employers’ liability cover
- Public liability cover
There are a few things that fish and chip shop insurance doesn’t cover, such as stock shortages, so it’s important to read the policy documents carefully before you buy.
Why Do You Need a Fish and Chips Shop Insurance?
As a fish and chip shop owner, you need to protect your business against a variety of risks. For example, if there’s a fire in your shop, you’ll need to make sure that you’re covered for the cost of repairs.
Or, if someone slips on some grease and hurts themselves, you could be liable for their medical expenses and any loss of earnings if they can’t work. Fish and chip shop insurance can cover you for these risks, as well as many others.
How Much Does Fish and Chip Shop Insurance Cost?
The cost of fish and chip shop insurance will depend on several factors, including the size of your business, the level of cover you need, and the amount of excess you’re willing to pay.
To get an accurate quote, it’s best to speak to an insurance broker who specializes in this type of insurance.
When Do You Need Fish and Chip Shop Insurance?
You’ll need to have fish and chip shop insurance in place from the day you start trading. This is because, even if your shop is empty, you could still be liable for damages caused by things like fire or flooding.
How Can I Get Fish and Chip Shop Insurance?
The best way to get fish and chip shop insurance is to speak to an insurance broker who specializes in this type of cover. They’ll be able to find the right policy for your business and give you a competitive quote.
Some insurers will also offer cover for specific events, such as fire or theft. So, if you’re only looking for cover for one particular risk, it’s worth checking to see if this is an option.
How Can We at Catering Insurance Help You?
At Restaurant Insurance, we understand the unique risks faced by fish and chip shops. We can provide you with a tailored insurance policy that covers your business for all the risks it faces, including fire, theft, storm damage, and liability claims.
We can also provide cover for the loss of earnings if your business has to close due to an insured event. To get a competitive quote, simply call us or fill in our online form.
The best way to get fish and chip shop insurance is to speak to an insurance broker who specializes in this type of cover. They’ll be able to find the right policy for your business and give you a competitive quote.
Some insurers will also offer cover for specific events, such as fire or theft. So, if you’re only looking for cover for one particular risk, it’s worth checking to see if this is an option.