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Fish and chip shop insurance
Safeguard your equipment and stock
Tailored coverage for confident business
Get a quick quote, protect your costs
Helping businesses with insurance for over 70 years
Finding you the best cover
We have a wide panel of leading insurers to discover suitable quotes and tailored cover for your needs.
Experts
Our team of insurance specialists have more than 70 years of experience in the industry.
Personalised cover
Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.
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We work with a range of insurers, from household names to small specialist insurers to find the best policy for your business.
Three simple steps
The fact find
Complete the online question set or speak to one of our agents.
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We identify the policy that best suits your business requirements.
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Importance of fish and chip shop insurance
Risks are common with the day-to-day running of a fish and chip shop. These range from equipment failures to hot oil hazards. The issue: a single accident, fire, or unexpected event could seriously hamper your business – and potentially keep the ‘Closed’ sign up permanently.
Specialist insurance helps protect against this scenario. The right coverage doesn’t just help keep your fish and chip shop financially secure. It also means your business remains compliant. Whether you own a small takeaway or large establishment, custom insurance can keep the wheels spinning – even in challenging situations.
Benefits of fish and chip shop insurance
- Financial shield against claims: Say a customer slips over in your shop or suffers an illness linked to the food you served. Insurance shoulders the legal and compensation costs incurred.
- Protects expensive equipment: Fryers, refrigeration units, and other essential equipment are costly to replace on your own. Insurance covers failures, theft, and damage, keeping your operations running.
- Minimise business interruptions: Unexpected closures can quickly halt operations. From floods to power failures, business interruption insurance assists in covering lost income and fixed costs these incidents cause.
- Safety net for stock: For day-to-day operations, fish and chip shops require fresh fish, potatoes, and cooking oils. Insurance covers stock losses due to spoilage, theft, and equipment failure.
- Compliance with liability requirements: Does your fish and chip shop employ staff? In that case, it’s a legal obligation for you to have employers’ liability insurance.
- Peace of mind for business owners: Comprehensive coverage results in one thing: the ability to focus on running your fish and chip shop without constant worries about financial risks.
Coverage available as part of insurance for fish and chip shops
Employer's liability insurance
Virtually every fish shop operates with employees. That means it’s a legal requirement for them to possess employers’ liability insurance covering workplace-related injuries or illness to staff.
Public liability insurance
A must, public liability insurance covers claims from customers who suffer injuries or property damage at your shop. It’s a safety net against legal and compensation costs.
Equipment insurance
Expensive equipment like fryers and freezers are fixtures of every fish shop. This insurance covers your equipment against theft, accidental damage, and failure.
Stock insurance
Food produce like fresh fish and potatoes is the lifeblood of any fish and chip shop. Stock insurance protects ingredients from spoilage and contamination for minimal disruption.
Business interruption insurance
If your shop must close due to unforeseen events, this insurance becomes vital. It helps cover loss of income during the temporary closure of your business.
Buildings insurance
If you own the property, this policy covers structural damage caused by events like natural disasters and vandalism. It prevents you from covering costly repairs out of pocket.
Specialist insurance for takeaways and fast food outlets
Fish and chip shops operate differently from traditional restaurants. They often face higher foot traffic, takeaway services, and extended opening hours. These factors increase certain risks from occurring. Specialist chip shop insurance caters to these risks and requirements. It covers everything from stock protection to liability claims. It also accounts for unique risks like late-night operations and high-volume frying equipment.
When running a takeaway, it’s essential you have bespoke coverage in place to shield against unexpected setbacks. It allows you to better focus on delivering quality food and service.
Getting fish and chip shop insurance with Radius
Radius makes finding the right insurance for your fish and chip shop is simple. We work with 120 insurers to find the perfect insurance plan for your business, matching the specific risks fast food establishments face. From public liability to stock protection, we help build a policy that covers all bases.
Not only do you gain full coverage, but you also only pay for what you need. Receive and compare quotes today to find the most cost-effective, comprehensive solution for your fish and chip shop.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.
What insurance do fish and chip shops need?
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UK Fuels, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.