Fish and chips served on paper near a harbor, with boats moored in the background.
Fish and chips served on paper near a harbor, with boats moored in the background.

Fish & chip shop insurance

Protecting your passion with tailored fish and chip shop insurance solutions

We compare quotes from leading insurers

Protect your fish and chip business with Premierline

Fish and chips are the most traditional aspect of British cuisine, providing fast flavoursome food to feed the nation. However, there’s a range of risks associated with running a fish and chip shop that could make you vulnerable to financial loss.

Fish and chip shops can be particularly risky with hazards and dangers ranging from fires to fryers. Managing these exposures is key; comprehensive insurance is a must for any chip shop owner to protect your livelihood if something goes wrong.

Our tailored fish and chip shop insurance solutions are designed to safeguard your business against unexpected challenges, ensuring you can focus on delighting your customers. With a deep understanding of the unique needs of the fast food industry, we offer comprehensive coverage that lets you fry worry-free.

We compare quotes from a panel of trusted insurers to find tailored cover to meet your needs and make arranging your insurance simple and hassle free. You can compare covers and prices online in just a few minutes. Or if you need some advice as you’re not sure what insurance cover you need speak to our expert advisors who are on hand to find the right cover at the right price.

full width cta icon 1
full width cta icon 1

Start a quote

Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote

Get a quote
full width cta icon 2
full width cta icon 2

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm

0333 320 6009

Fish & chip shop insurance cover in detail

What is fish & chip shop insurance?

Fish and chip shop insurance is a type of insurance cover that is built to protect fish and chip shops from financial losses as a result of accidents, legal disputes, and natural events. It can include many types of cover to give you peace of mind allowing you to run your business without additional worry.

From fat burns to fires, freezers to fryers, your business insurance can be tailored to cover a number of unforeseen events that could jeopardise the future of your business. All these covers can be built into your insurance policy to give you peace of mind and let you focus on running your business.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

  • Two people outside a fish and chip shop, enjoying crispy chips with a neon sign in the background.

    Public liability insurance

    Public liability insurance can protect you from claims arising due to accidental injuries or property damage that occur on your chip shop premises. With cover tailored to the unique risks of your fish and chip shop, you can face uncertainties head-on.

  • Fish and chips served on paper near a harbor, with boats moored in the background.

    Employers' liability insurance

    Employers liability insurance as part of your cover can safeguard your liability should your employees have an accident at work. If an employee burnt themselves at work, you may be liable to pay compensation awards. Your fish and chip shop insurance can cover this eventuality by including employers’ liability.

  • Kitchen worker knelt on the floor and holding their leg in pain, with another colleague offering assistance.

    Personal accident cover

    Considering the possibility of an employee or customer injuring themselves while you work is crucial; but how would you cope financially if you were unable to work following an accident at work? A simple fall or slip at work could leave you out of action. Personal accident cover is designed to provide financial protection in the event of you having an accident or injury while at work.

  • Exterior of a traditional pub in Manchester with signage and brickwork, located in the town centre.

    Property covers

    Cover for property damage is a fundamental part of your business insurance. Fire is a major hazard for chippies, so protecting your building and assets should be a priority. Property cover can also protect your contents equipment and stock against a number of perils, including not only fire, but flood, theft, storm damage, subsidence and much more.

  • Cafe employee unlocking the front door in the morning, with chairs stacked and sunlight shining inside.

    Business interruption insurance

    If your business is hit by something that leaves you unable to trade such as a fire or an extreme weather event, business interruption insurance can cover you for loss of money until you get yourself back up and running again.

    Property damage can often take a while to fix; by including business interruption in your fish and chip shop insurance, you can be safe in the knowledge that should you suffer damage to your business meaning you are unable to trade for a while, your loss of profit can be protected.

  • Close-up of a judge’s gavel resting on a sound block in a courtroom with blurred background.

    Commercial legal protection

    Commercial legal protection covers legal costs and expenses, enabling you to access expert advice and representation when you need it most.

Fish & chip shop insurance FAQs

Absolutely! If you’re running a fish and chip shop, insurance is essential to protect your business from unforeseen risks and challenges.

At Premierline, we can arrange flexible fish and chip shop insurance covers that can be as basic or comprehensive as you need depending on the size of your fish and chip shop. When deciding what business insurance you need to protect your company, you should consider the following:

  • Public liability – for injured guests or damage to their property.
  • Employers’ liability – to protect your employees.
  • Buildings cover – to cover for loss or damage to your building.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
  • Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.

More information

The cost of an insurance policy for a fish and chip shop will depend on various factors, including the size of your shop, as well as your location, the types of insurance required, the value of the assets you need insured, and the overall level of risk associated with the business.

It is difficult to estimate the overall price of insurance covers for a fish and chip shop without taking all of these factors into consideration. Get in touch with our experienced team for a tailored quote.

From peas to pies, chips to curry sauce, you’re offering a range of great food to satisfy your customer’s needs. Your customers come back to you for your fast and friendly service, as well as the quality of your products. Our clients come back to us for the same reasons. We provide a modern forward-thinking approach to business insurance which makes protecting your business simple and hassle-free.

We can arrange fish and chip shop insurance to cover a number of eventualities that could impact your business financially. We understand the risks associated with your trade and can help you arrange protection against many unforeseen events.

Fish and chip shops are one of the many fast food outlets we could arrange cover for. We obtain quotes for a variety of takeaway businesses; from chippies to pizza houses, burger bars, fried chicken establishments, kebab houses and many more. Covers can be tailored to your individual requirements to give you takeaway insurance to let you trade without worry.

We’re dedicated to finding you the right fish and chip shop insurance, and will support you and your business throughout the lifetime of your policy.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

Two men and a woman with headsets on in an office setting, likely participating in a discussion or online call.

We're shop insurance experts

We understand the nature of running your shop often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your retail insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning service

    We're trusted by thousands of SMEs across the UK

  • Comprehensive protection

    We can help with all your commercial insurance needs

  • UK based experts

    Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Premierline are great and very professional. They give great customer service and always achieve the best price.”
Cafe
Customer since February 2020
blue-arrow-left
blue-arrow-right

Speak to a fish & chip shop insurance expert

Choose Premierline as your insurance partner to access tailored solutions that address the unique challenges faced by your fish and chip shop. Contact us today to secure the protection your chippy needs.

full width cta icon 1
full width cta icon 1

Start a quote

Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote

Get a quote
full width cta icon 2
full width cta icon 2

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm

0333 320 6009