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 are able to 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.
In addition cover is automatically extended to include:
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
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,
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.