When you open your fish and chip shop, it is paramount to ensure you have the right level of fish and chip shop insurance. This will provide you with the backup in case something goes wrong and allows you to relax and concentrate on the day-to-day running of your business.
With Endsleigh business insurance policies, we will adapt and tailor them to allow you to obtain the correct cover to suit your takeaway business.
When insuring you fish and chip shop it is important to make sure you have employers, public and product liability cover. With a fish and chip shop policy, Endsleigh, will cover you for £2 million of public and product liability as standard; this can be extended to £5 million according to your company’s specific needs.
Public and product liability will cover your legal liability to pay damages to third parties for death or bodily injury and damage to their property. You will also be provided with £10 million of employer’s liability cover. This is a requirement by law if you have employees and therefore comes as standard with our policies.
With our fish and chip shop insurance; contents cover comes as standard, this can cover a wide range of risks to your takeaway business including:
The cover can be specified by you to meet the needs of your fish and chip shop. You can extend your cover to include buildings insurance; this will cover your retail premises, takeaway front, outbuildings, and landlord’s fixtures and fittings against insured perils.
Within your chip shop insurance policy you are provided with equipment breakdown cover as standard; this means if one of your key items of equipment, such as your fryers, were to breakdown, not only will you be covered for the repair and or subsequent replacement you will also be covered for loss of profits.
Business interruption insurance will automatically be included in your policy. This covers you in the event of being unable to trade or operate due to an event such as earthquake, flood or fire. This will cover you for loss of gross profit for 12 months as standard, if your fish and chip shop requires a higher level of cover this can be extended to 36 months. You are also automatically insured for commercial legal protection, glass breakages, money, and personal accident.
Your policy can be tailored further with our extension options. If you collect your raw products yourself you may need goods in transit cover, which will insure the goods when they are in an owned, hired or leased vehicle; with theft by employee cover and insurance against subsidence and ground heave.
There are two easy ways to obtain your insurance quote. For more information go to our shop insurance page now, alternatively you can call our dedicated team directly on 0800 121 4407 and we can make sure the cover is right for your fish and chip shop.
