Cover for eat-in and takeaway fast food eateries
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Our fish and chip shop insurance covers your premises, including cooking equipment (owned and hired) and your stock. Should any of your property need replacement due to fire or theft by forced entry, this feature will help you to keep your business going with minimal interruption.
We offer public and products liability tailored to your shop's needs. This provides cover for a wide range of third-party liability incidents. Public liability protects you should a customer have an accident on your premises and take legal action. Products liability covers you if your food causes a customer to become unwell.
Should something happen that means your fish and chip shop can no longer operate as usual, business interruption cover may be able to help you cover costs until your business is back on its feet. Incidents such as fire or theft by forcible entry are usually covered up to £250,000 as standard. Issues relating to suppliers are also covered - at a lower limit.
Our policy covers the risks faced when working in a fast-paced customer-facing environment. With the quick movement of hot food and liquids across hot surfaces, fast food employees risk injuries and accidentals that can be costly. Our policy includes an employers' liability limit of indemnity of £10 million. It also covers your business for £5,000 cash in transit and also for cash on the premises during working hours and includes some cover for assault, should an employee fall victim to a violent theft.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
If you need to make a claim, we'll send the details of your claim to the insurer to get your claim resolved as quickly as possible.
Call us or email us with: your policy number; a phone number to reach you on; details of your claim; and photos where possible and relevant.
If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.
Give us a call and we’ll help settle your claim
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Public liability covers you for claims from a customer or a member of the public for an injury for which you are liable (e,g. tripping over and injuring themselves) within your premises. Employers' liability is similar, but to cover you for any injuries or illnesses suffered by your employees as a result of your business.
We also recommend that you have products liability, which covers you should one of your customers suffer from food poisoning or burn themselves on hot food from your shop.
We will usually insure you based upon your wage roll rather than number of personnel, so you would only need to tell us should your wage costs increase.
Yes, most of our policies will cover a business delivering food. However the drivers must hold the correct fish and chip delivery insurance, and will need to notify their motor insurer that they’re using their vehicle for delivering food on your behalf.
If your menu expands to cover more than just fish and chips, please let our advisers know and they will ensure your policy extends to cover this. Please note that you must tell us if you offer outside catering at events.
Yes - even if your other fast food shops sell different products. For example, if you also have a burger bar or kebab shop store we can insure them under one policy and negotiate for a competitive rate.
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.