Fish & Chip Shop Insurance Quotes 

We Specialise in Fish & Chip Shop Business Insurance 
There are various risks involved in operating a fish & chip shop, especially when working with hot oil, kitchen equipment, sharp utensils, and serving the general public. 
We can supply a packaged, industry-specific, policy for your business and have special, discounted, rates for fish & chip shops. Often standard fish & chip shop insurance policies may not cover everything you need. It's vital to check the wordings and details such as the age of your deep fat fryers and measures in place for the cleaning and maintenance of kitchen ducts. Failure to understand and comply with these wordings can leave you without cover, often at a time you need it most. Don't leave your insurance to chance. 
We can help you find a policy with the covers you require. 
Our dedicated and qualified staff take the time to get to know you and your business to try and find the best cover from the most reputable insurers. In most cases can offer a site visit to take your information and in addition to this, we can offer health and safety advice and risk management information. 
For a free, no-obligation quote simply provide your contact details in the form or give us a call on (01769) 572557 and talk to one of our specialist advisers. 
Expert Advice  
Over 80 Years Experience  
Get Your Business Insurance Quote 
Simply fill out the form below and one of our team will be in touch as soon as possible. 

Frequently Asked Questions 

Read some our our most frequently asked questions about our insurance policies. 
Our policies are designed to cover the risks you face whilst trading, protecting assets such as buildings and content on an 'all risks' basis, we can extend to cover non-standard risks as well as traditional or standard properties, the policy extends to include protecting your trading income following such losses as well as your liabilities to members of the public or of course those you are liable for as an employer. 
Options exist to prepay the year, at inception of cover or to spread the costs over a number of monthly instalments, subject to a small surchage madevia the renowned insurance financer Clos Bros Premium Finance who assist our clients fund the monthly direct debit facilities. 
When considering claiming our first suggestion is always to speak with us, discuss the circumstance of the loss and we can then assist you in preseting the loss fully to the underwriters, so it can be administered and settled as quickly as possible, if the loss is substantial we will negoiate the attendance of a loss adjuster to work through the claim with you and get you speedily reinstated, if the loss is a liability one (public or employers) we would urge you to speak with us as quickly as possible post incident or on notification as early collection of data is key to any defence or explanation 
Why Town & Country? Well we like to think thats a pretty simple answer, we believe we are the best, the best in extracting the right information and working with you at the outset so the policies are correctly and competitively underwritten, then the same staff member handles your case building a rapprt and relationship with you dealing with any amendments you might need and handling any claims and before taking updated iinformation to secure appropriate renewal terms. Ours is a crade to grave all encompassing solution to your businesses insurance requirements, we act like one of your own staff or team members and pride ourselves on a service that has kept us doing just what we are doing for over 80 years 

Fish & Chip Shops Insurance Information 

When insuring a fish & chip shop there is much to consider. Specifically, you want to consider what type of cover you need and want. Like all businesses, if you have employees you are required by law to get Employers' Liability, other than that most insurance is there to protect you, and make sure that you can consider trading even after a disruption. 
Your fish & chip Shop insurance policy will be a package and will include policies to suit your business requirements, this is how we can provide you with better rates as we do not automatically assume that all or nothing applies to your business. We make sure we take the details on all of you associated risk so our Business Insurance for fish & chip shop cover will have the best policy wording and the cheapest market rates. 
The Buildings and Contents of the Premises 
All stock, tools, and equipment used by the business can be covered for fire, storm damage, malicious damage and theft, or accidental damage. In some situations, like after a fire, replacing the entire contents of a business can be prohibitively high, Business Contents Insurance makes sure that this barrier is removed to allow better recovery from unfortunate situations. 
Damage to Underground Services 
Trace and Access costs 
Removal of Debris costs 
Architect and Surveyors Fees 
Automatic Reinstatement of Sums Insured 
Money and Personal Accident (Assault) 
Covers your business money In transit, on premises during business hours, or in a bank night safe in the business premises when closed for business or in the private dwelling. 
Personal Accident (Assault) 
Death, Loss of Limb(s), Loss of Eye(s), Permanent Total Disablement £10,000. Total uninterrupted Disablement (up to 104 weeks) £100 per week 
Business Interruption 
Loss of Gross Profit following loss or damage by an insured peril. 
Cover is extended to provide cover in respect of: 
Prevention of Access 
Specified Diseases, Murder, Suicide, Poisoning, Vermin or Pests, 
Defective Sanitation 
Damage at Suppliers premises 
Failure of Public Supply of Electricity Gas or Water 
Failure of Telecommunications 
Public Liability and Product Liability 
The general public today are becoming increasingly legally aware. We have all seen the adverts for lawyers encouraging the public to make a claim if they were injured and it was not their fault. It can be difficult for a business to get back onto its feet after such a claim, unless you have the right cover. Public and Products Liability covers you for any claim made against you by a member of the public claiming they have been injured, or became ill while on your premises or due to one of your products. 
Employers' Liability 
Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims. 
Goods In Transit (OPTIONAL) 
If you have selected this option your needs are those of a retail business that delivers or collects goods and requires cover on those goods whilst in the course of transit. 
Glass Breakage 
Damage to fixed glass and fixed items of sanitary ware. 
Equipment Breakdown 
The policy covers damage and any subsequent loss of income caused by breakdown to equipment or machinery (including computers and refrigeration equipment) up to the limits shown in the policy. Includes damage to perishable goods caused by failure of the insured equipment. 
Commercial Legal Protection 
Employment Disputes & Employment Compensation Awards 
Legal Defence 
Contract Disputes 
Property Protection 
Bodily Injury 
Debt Recovery 
Tax Protection 
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