Fish & chip shop insurance

Specialist cover, tailored to you

As every owner will tell you, fish and chip shops carry risks – from staff to the owner, and customers to the property next door, everyone needs protection. With Simply Business you can build a policy that takes care of the risks. Even if you’re forced to close temporarily, there’s cover available to tide you over. Whether you work on your own or employ people, it’s quick, quality cover, all in one policy.

What insurance do fish & chip shops need?

Public liability insurance is often an important cover for fish and chip shops, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

The average insurance claim for a fish and chip shop is £3,469 – could you afford this if the worst happened? (Average claim being £3,469. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

Fish and chip shop cover details

• Make sure you read your policy documents carefully and that you understand any exclusions that may apply
• If you employ people, even in your own home, you’re legally obliged to take out employers’ liability insurance. Not doing this could lead to a heavy fine

Another important consideration is any specialist tools or equipment you have – including basic but essential gadgets and machinery. Often, work revolves around these essentials, so our business equipment options will help take care of the day to day risks, letting you get on with the job in hand.

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.